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It's easy, just write the debt collector and let them know you do not want any further contact from them. Include your name, address, phone number, and account number in your letter. In the United States, once a debt collector receives your cease and desist letter, they can only contact you for two reasons:

The phrase in question is: “Please cease and desist all calls and contact with me, immediately.” These 11 words, when used correctly, can provide significant protection against aggressive debt collection practices.

In most states, the statute of limitations for collecting on credit card debt is between three and 10 years, but a few states allow for longer periods, extending up to 15 years.

The time frame varies from state-to-state but is generally 3-6 years.

Statute of Limitations for Michigan ing to Michigan law, creditors have up to 6 years to collect debt, including obtaining a judgment on the debt. However, by getting a judgment, your creditor can pursue collections indefinitely as long as they renew the judgment every 10 years.

The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a "debt validation notice," including: the amount of the debt. the name of the creditor to whom the debt is currently owed.

The FDCPA also mandates that the collector disclose in the initial communication that the collector is attempting to collect a debt and that any information obtained will be used for that purpose. The collector must also state that "the communication is from a debt collector" in subsequent communications. (15 U.S.C.

Ing to Michigan law, your creditor has up to 6 years (from the date of your last payment) to collect on a debt, including obtaining a judgment on the debt. By getting a judgment, your creditor can pursue collections (likely a garnishment) almost indefinitely as long as they renew the judgment every 10 years.

A debt validation letter is a letter that debt collectors must provide that includes information about the size of your debt, when to pay it, and how to dispute it. A debt collection letter essentially proves you owe the debt collector money.