{"id":1542,"date":"2023-05-10T17:46:57","date_gmt":"2023-05-10T17:46:57","guid":{"rendered":"https:\/\/nwdebtdefense.com\/?p=1542"},"modified":"2023-09-04T12:32:35","modified_gmt":"2023-09-04T12:32:35","slug":"stop-debt-collector-calls","status":"publish","type":"post","link":"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/","title":{"rendered":"Stop Debt Collector Calls"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What_to_Know_to_Stop_Getting_Debt_Collector_Calls\"><\/span><span style=\"font-weight: 400;\">What to Know to Stop Getting Debt Collector Calls?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66284a6a0da73\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66284a6a0da73\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#What_to_Know_to_Stop_Getting_Debt_Collector_Calls\" title=\"What to Know to Stop Getting Debt Collector Calls?\">What to Know to Stop Getting Debt Collector Calls?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#What_is_your_Right_under_the_Fair_Debt_Collection_Practices_Act_FDCPA\" title=\"What is your Right under the Fair Debt Collection Practices Act (FDCPA)?\">What is your Right under the Fair Debt Collection Practices Act (FDCPA)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#How_Can_I_Stop_a_Debt_Collector_From_Contacting_Me\" title=\"How Can I Stop a Debt Collector From Contacting Me?\">How Can I Stop a Debt Collector From Contacting Me?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#Validate_the_Debt\" title=\"Validate the Debt\">Validate the Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#Communicate_with_the_Debt_Collector\" title=\"Communicate with the Debt Collector\">Communicate with the Debt Collector<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#Cease_and_Desist_Letter\" title=\"Cease and Desist Letter\">Cease and Desist Letter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#File_a_Complaint\" title=\"File a Complaint\">File a Complaint<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#Monitor_your_Credit_Report\" title=\"Monitor your Credit Report\">Monitor your Credit Report<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/nwdebtdefense.com\/stop-debt-collector-calls\/#End_Getting_Calls_From_Your_Debt_Collectors_Today\" title=\"End Getting Calls From Your Debt Collectors Today\">End Getting Calls From Your Debt Collectors Today<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Dealing with debt collectors can be a stressful and overwhelming experience. If you&#8217;re located in Portland, Oregon, and find yourself being incessantly contacted by debt collectors, it&#8217;s important to know that you have legal rights and options to stop their relentless pursuit. This guide will provide you with practical steps and information on how can you stop a debt collector from contacting you in Portland, Oregon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding the dynamics of debt collection and being aware of your rights as a consumer are crucial in asserting control over the situation. By familiarizing yourself with the relevant laws and regulations, you can navigate the process more effectively and protect yourself from any unfair or abusive practices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regain control of your financial situation and put an end to harassing debt collection practices in Portland, Oregon. Remember, knowledge and assertiveness are key in protecting your rights and finding a resolution.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_your_Right_under_the_Fair_Debt_Collection_Practices_Act_FDCPA\"><\/span><span style=\"font-weight: 400;\">What is your Right under the Fair Debt Collection Practices Act (FDCPA)?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/nwdebtdefense.com\/fair-debt-collection-practices-act\/\"><span style=\"font-weight: 400;\">Fair Debt Collection Practices Act (FDCPA)<\/span><\/a><span style=\"font-weight: 400;\"> is a federal law that sets guidelines and regulations for debt collectors, protecting consumers from unfair, deceptive, and abusive debt collection practices. Familiarizing yourself with your rights under FDCPA is essential when dealing with debt collectors in Portland, Oregon. Here are some key provisions of the FDCPA:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Prohibition of harassment or abuse:<\/b><span style=\"font-weight: 400;\"> Debt collectors are prohibited from engaging in any form of harassment, oppression, or abuse while attempting to collect a debt. This includes using threats, obscene language, constant phone calls, or publicizing your debt.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Communication restrictions:<\/b><span style=\"font-weight: 400;\"> Debt collectors must adhere to certain communication guidelines. They can only contact you between 8 a.m. and 9 p.m. unless you agree to alternative contact times. If you notify a debt collector in writing that you do not wish to be contacted, they must cease further communication, except for certain specified circumstances.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Verification of debt:<\/b><span style=\"font-weight: 400;\"> Upon your request, debt collectors are required to provide written verification of the debt, including information about the original creditor, the amount owed, and any relevant documentation. They must cease collection efforts until the debt is validated.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Dispute process: <\/b><span style=\"font-weight: 400;\">If you believe the debt is inaccurate or you wish to dispute it, you have the right to dispute the debt with the debt collector within 30 days of receiving the initial communication. Upon receiving your dispute, the debt collector must cease collection activities until they provide you with verification of the debt.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Cease and desist: <\/b><span style=\"font-weight: 400;\">You have the right to send a written cease and desist letter to a debt collector, requesting that they stop contacting you. Once they receive your letter, they may only contact you to inform you of specific actions, such as legal proceedings or ceasing collection efforts.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Legal action:<\/b><span style=\"font-weight: 400;\"> Debt collectors cannot threaten legal actions they do not intend to take, nor can they misrepresent the consequences of not paying the debt. They must also provide accurate information regarding the amount owed and the debt&#8217;s legal status.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Remember, these are just some of the key provisions of the FDCPA. If you believe your rights have been violated, you may seek legal counsel and report the debt collector&#8217;s actions to the appropriate authorities.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_I_Stop_a_Debt_Collector_From_Contacting_Me\"><\/span><span style=\"font-weight: 400;\">How Can I Stop a Debt Collector From Contacting Me?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While you have the right to stop debt collectors from contacting you, it does not eliminate the underlying debt itself. Take appropriate steps to address the debt, such as seeking financial advice or negotiating a repayment plan if necessary. In the meantime, to stop a debt collector from contacting you, follow these steps:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Validate_the_Debt\"><\/span><b>Validate the Debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Validating a debt is an important step when dealing with debt collectors. It involves requesting the debt collector to provide you with written verification of the debt&#8217;s details and ensuring its accuracy. Here&#8217;s a guide on how to validate a debt:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Make your request in writing:<\/b><span style=\"font-weight: 400;\"> Send a written request for debt validation to the debt collector within 30 days of their initial communication with you. This request should be sent via certified mail with a return receipt, ensuring you have proof of delivery.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Include necessary information: <\/b><span style=\"font-weight: 400;\">In your letter, clearly state your name, address, and account number associated with the debt. Request that the debt collector provide you with written verification of the debt.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Cease collection efforts until validation is provided:<\/b><span style=\"font-weight: 400;\"> Once the debt collector receives your validation request, they must cease collection activities until they provide you with the requested documentation. During this period, they cannot continue contacting you to collect the debt.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Verify the accuracy of information: <\/b><span style=\"font-weight: 400;\">Upon receiving the debt validation, carefully review the provided documentation. Ensure that the debt belongs to you, the amount is accurate, and any supporting documentation, such as original contracts or statements, is included. Cross-reference the information with your records if available.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Dispute inaccurate information:<\/b><span style=\"font-weight: 400;\"> If you find any discrepancies or believe the debt is inaccurate, you have the right to dispute it with the debt collector. Send a written dispute letter explaining the specific inaccuracies and request corrections or removal of the debt from your records.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Maintain records:<\/b><span style=\"font-weight: 400;\"> Keep copies of all correspondence, including your validation request, any received verification, and dispute letters. These records will be crucial if you need to assert your rights or challenge the debt in the future.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the debt collector fails to validate the debt or continues collection activities without proper verification, you may consider seeking legal advice to further protect your rights.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Communicate_with_the_Debt_Collector\"><\/span><b>Communicate with the Debt Collector<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When dealing with a debt collector, effective communication is key to protecting your rights and asserting control over the situation. Here are some guidelines for communicating with a debt collector:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Keep detailed records:<\/b><span style=\"font-weight: 400;\"> Maintain a record of all communication with the debt collector, including dates, times, names of representatives you speak with, and a summary of the conversation. This documentation will be valuable if any disputes arise in the future.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Be assertive and professional: <\/b><span style=\"font-weight: 400;\">Remain calm and composed during your interactions with the debt collector. Clearly state your intentions and expectations while asserting your rights under FDCPA. Maintain a polite and professional demeanor throughout the conversation.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Request information in writing:<\/b><span style=\"font-weight: 400;\"> Ask the debt collector to provide important details regarding the debt, such as the amount owed, the name of the original creditor, and any supporting documentation. Request that all future communication be conducted in writing, which can help reduce the risk of miscommunication.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Avoid disclosing personal information:<\/b><span style=\"font-weight: 400;\"> Be cautious about sharing personal financial information. Only provide information that is necessary to verify the debt, and do not disclose sensitive details like your Social Security number or bank account information unless you are confident in the debt collector&#8217;s credibility.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Dispute inaccuracies:<\/b><span style=\"font-weight: 400;\"> If you believe there are inaccuracies or errors in the debt, you have the right to dispute them. Clearly articulate the reasons for your dispute and provide any supporting evidence or documentation to substantiate your claims.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Remain vigilant for deceptive practices:<\/b><span style=\"font-weight: 400;\"> Be aware of any deceptive or abusive tactics employed by the debt collector. If you encounter harassment, threats, or false representations, document the incidents and consider reporting the debt collector to the appropriate authorities.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Maintaining clear and respectful communication is crucial when dealing with debt collectors. By understanding your rights and effectively asserting them, you can navigate the process more confidently and protect yourself from unfair or abusive practices.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cease_and_Desist_Letter\"><\/span><b>Cease and Desist Letter<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A cease and desist letter is a written communication that formally requests a debt collector to stop contacting you regarding a debt. Here&#8217;s a step-by-step guide on how to create a cease and desist letter:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Use proper formatting:<\/b><span style=\"font-weight: 400;\"> Format the letter like a formal business letter. Include your name, address, and contact information at the top, followed by the debt collector&#8217;s name, address, and contact information.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Clearly state your intention: <\/b><span style=\"font-weight: 400;\">Begin the letter by clearly stating that it is a &#8220;Cease and Desist Letter.&#8221; State that you are requesting the debt collector to cease all communication with you regarding the debt in question.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Provide specific details:<\/b><span style=\"font-weight: 400;\"> Include specific details about the debt, such as the account number, the original creditor&#8217;s name, and the amount owed. This information will help the debt collector identify the debt in question.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Assert your rights: <\/b><span style=\"font-weight: 400;\">Cite the relevant provisions of FDCPA that protect your rights as a consumer. Mention that you are aware of your rights and that you expect the debt collector to respect them.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Request written confirmation:<\/b><span style=\"font-weight: 400;\"> Ask the debt collector to acknowledge receipt of your cease and desist letter in writing. Request that they confirm their compliance with your request to cease communication.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Maintain a professional tone:<\/b><span style=\"font-weight: 400;\"> Keep the letter polite, concise, and professional. Avoid using derogatory language or engaging in personal attacks. Stick to the facts and clearly express your intention to stop further communication.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Send the letter via certified mail:<\/b><span style=\"font-weight: 400;\"> It is important to send the cease and desist letter via certified mail with a return receipt requested. This ensures that you have proof of delivery and can track the letter&#8217;s arrival.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Keep a copy for your records:<\/b><span style=\"font-weight: 400;\"> Make copies of the letter and any related documents for your own records. This will be useful in case you need to provide evidence of your communication with the debt collector.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Keep in mind that a cease and desist letter does not absolve you of the debt if it is valid. It simply requests that the debt collector stops contacting you. If the debt collector continues to contact you after receiving the letter, it may be necessary to seek legal advice and report their actions to the appropriate authorities.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"File_a_Complaint\"><\/span><b>File a Complaint<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Filing a complaint with the appropriate authorities can be an effective way to address any unfair or abusive practices by a debt collector. Here&#8217;s a guide on how to file a complaint:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Identify the relevant authorities:<\/b><span style=\"font-weight: 400;\"> Determine the appropriate agency or organization to file your complaint with. In Portland, Oregon, you can consider filing complaints with the following entities:<\/span><\/li>\n<\/ul>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Oregon Department of Justice: The Consumer Protection Division of the Oregon Department of Justice investigates and takes action against violators of consumer protection laws.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Consumer Financial Protection Bureau (CFPB): The CFPB is a federal agency that accepts and investigates complaints related to debt collection practices nationwide.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ul>\n<li aria-level=\"1\"><b>Gather supporting documentation:<\/b><span style=\"font-weight: 400;\"> Collect all relevant documentation to support your complaint. This may include copies of letters, emails, call logs, payment records, and any other evidence of unfair or abusive debt collection practices.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Complete the complaint form:<\/b><span style=\"font-weight: 400;\"> Visit the website of the appropriate authority and locate the complaint form or submission process. Fill out the form with accurate and detailed information about the debt collector, the nature of the complaint, and any supporting documentation you have.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Submit the complaint: <\/b><span style=\"font-weight: 400;\">Follow the instructions provided by the agency to submit your complaint. This may involve submitting the form online, mailing it, or contacting them directly. Ensure that you include all necessary information and attachments.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Maintain copies and records:<\/b><span style=\"font-weight: 400;\"> Make copies of your complaint form, any submitted documents, and any correspondence with the agency. Keep these records in a safe place for future reference.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Cooperate with the investigation:<\/b><span style=\"font-weight: 400;\"> If the agency initiates an investigation based on your complaint, cooperate fully with their inquiries. Provide any additional information or documentation they may request to support the investigation.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Follow up:<\/b><span style=\"font-weight: 400;\"> After submitting your complaint, stay informed about the progress of the investigation. Check for any updates from the agency and respond promptly if they require further information or action from you.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Filing a complaint with the appropriate authorities helps hold debt collectors accountable for their actions and may lead to corrective measures or penalties. It can help address any unfair or illegal practices you have experienced.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Monitor_your_Credit_Report\"><\/span><b>Monitor your Credit Report<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Monitoring your credit report is an important step in managing your financial health and ensuring accurate reporting of debts. Here&#8217;s how you can effectively monitor your credit report:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Obtain your credit report:<\/b><span style=\"font-weight: 400;\"> Request a free copy of your credit report from each of the major credit reporting agencies: Equifax, Experian, and TransUnion. You are entitled to one free credit report from each agency every 12 months.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Review the report thoroughly:<\/b><span style=\"font-weight: 400;\"> Carefully review your credit report for any accounts or debts that are inaccurately reported or unknown to you. Pay attention to the details of each account, such as the account balance, payment history, and status.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Dispute inaccuracies:<\/b><span style=\"font-weight: 400;\"> If you identify any errors or discrepancies on your credit report, such as debts that are incorrectly listed or accounts that do not belong to you, file a dispute with the credit reporting agency reporting the inaccurate information. Provide them with supporting documentation to substantiate your claim.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Monitor changes regularly:<\/b><span style=\"font-weight: 400;\"> Stay vigilant and periodically monitor your credit report to ensure that new accounts or debts are not added without your knowledge.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Maintain good credit practices:<\/b><span style=\"font-weight: 400;\"> Responsible financial habits, such as making timely payments, keeping credit utilization low, and avoiding excessive debt, can help maintain a positive credit history.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Consider credit monitoring services:<\/b><span style=\"font-weight: 400;\"> If you want more comprehensive and ongoing monitoring of your credit report, you may opt for credit monitoring services.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Monitoring your credit report helps you stay informed about your financial standing, detect errors, and address any potential issues promptly. By maintaining accurate credit information, you can protect your creditworthiness and financial well-being.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"End_Getting_Calls_From_Your_Debt_Collectors_Today\"><\/span><span style=\"font-weight: 400;\">End Getting Calls From Your Debt Collectors Today<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing your rights and taking proactive steps is crucial when dealing with debt collectors and seeking relief from their constant contact. By understanding the FDCPA, you can assert your rights and protect yourself from unfair or abusive practices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself overwhelmed with debt, do not know how can you stop a debt collector from contacting you, and need professional assistance, consider reaching out to Northwest Debt Defense Law Firm. Our <\/span><a href=\"https:\/\/nwdebtdefense.com\/\"><span style=\"font-weight: 400;\">team of experienced attorneys<\/span><\/a><span style=\"font-weight: 400;\"> specializes in debt defense and can provide you with a free debt analysis. We can guide you through the legal process, protect your rights, and help you find a resolution that suits your situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Take control of your financial well-being and explore the options available to you. Reach out to Northwest Debt Defense Law Firm today to take advantage of our resources and get the support you need.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What to Know to Stop Getting Debt Collector Calls? Dealing with debt collectors can be a stressful and overwhelming experience. If you&#8217;re located in Portland, Oregon, and find yourself being incessantly contacted by debt collectors, it&#8217;s important to know that you have legal rights and options to stop their relentless pursuit. This guide will provide [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1018,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,25],"tags":[],"_links":{"self":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1542"}],"collection":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/comments?post=1542"}],"version-history":[{"count":3,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1542\/revisions"}],"predecessor-version":[{"id":1582,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1542\/revisions\/1582"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media\/1018"}],"wp:attachment":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media?parent=1542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/categories?post=1542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/tags?post=1542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}