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A dispute letter to cease & desist
Are you sick of collection calls from your creditors? Do you tell them to stop and they will not? That's because you need to write a dispute letter.
Cease and Desist is legal language telling the credit card companies to leave you alone. Well, kinda. I'm no attorney, but any eighth grader can write this letter. If you are trying to clean up credit report, you don't need collectors calling you.
You have to send a credit report dispute letter to the Correspondence Department informing them that you no longer want to be contacted by telephone. tell them that all future contact should be done so by mail.
Faxed requests get lost and although they may tell you to fax your request, my experience in dealing with them is that you will have better success by using Certified Mail.
Send a letter to the address where you normally send your credit card payment asking them to contact you only by mail. No telephone contact is allowed, just mail. Make sure this is sent Certified Mail Return Receipt. Once they receive mail that was sent Certified, it becomes very hard to lose and they are required by law to follow your request.
Give them a reasonable amount of time, and when they call again, inform them that they have a letter on file. Even the people from India know not to do this. Calling after receiving a letter is bad news for the credit card companies. Guaranteed you will no longer get any calls about your past due account.
