Im getting calls from the collections department of a local merchant I did business with. Can I tell that collector to stop contacting me?
No. The FDCPA applies only to bill collectors who work for collection agencies. While many states have laws prohibiting all debt collectors — including those working for the creditor itself — from harassing, abusing or threatening you, these laws don’t give you the right to demand that the collector stop contacting you. There is one exception: Residents of New York City can use a local consumer protection law to write any bill collector and say “stop contacting me.
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