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That's why we created the book, "Stop Credit Harassment" So how can we help? Simple.Stop Credit Harassment is a step by step book detailing how to write the letters that can be used to Stop the collection agencies from contacting you, it gives the correct format, what to include in the letter that will make it more powerful, how to send it, PLUS information on credit laws, No call list, and a bonus letter for disputing collections that you believe are beyond the statue of limitations.

Order Today and Stop the Harassment! Order Now Q: Does this stuff really Work? A: 2 Words.

Our pre formatted letters are in PDF and Word format so you can open, personalize and print out the letters yourself.

In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local tim....

For those of you legally inclined, here is some legal stuff below Communication with Consumer 805 .

It FORCES the collection Agencies to STOP contacting you, Under Penalty of Law , so you can get a financial breather, get your life back, and regain your privacy.

But like most things in life, if you don't know the right procedure it becomes frustrating and ineffectual.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt - (1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Communication in connection with debt collection [15 USC 1692c] (a) COMMUNICATION WITH THE CONSUMER GENERALLY.

FEDERAL LAW If you are a collection agency, chances are something is going to pucker up when you hear those words directed at your business.