How to Stop Harassing Casino Debt Collection Calls
Getting constant calls from casino debt collectors can be extremely stressful and frustrating. Here are some tips on how to get them to stop contacting you so much.
Know Your Rights
There are laws that protect you from excessive contacts from debt collectors. The Fair Debt Collection Practices Act states debt collectors can’t contact you before 8am or after 9pm unless you agree to it. They also can’t call you at work if you tell them not to, and they can only call you 7 times within 7 days about a particular debt. After they contact you, they have 5 days to send you a written notice about the debt.
-Send a Cease and Desist Letter
Write a letter telling the debt collector to stop contacting you. Be sure to keep a copy. Here’s an example:
Dear [Debt Collector],
I am writing to request that you cease all communication with me regarding [account number]. I do not wish to receive any phone calls, emails, text messages, or other contacts from your company regarding this debt.
Thank you,
-[Your name]
Dispute the Debt
If you don’t think you actually owe the debt or you want proof of the amount, send a dispute letter within 30 days of receiving notice of the debt. This requires the collector to stop contacting you until they verify the debt. Here’s a sample dispute letter:
Dear [Debt Collector],
I am disputing the debt you claim I owe [account number]. I request that you provide complete verification of this debt, including the original account number, creditor name and address, interest and fees, and payment history.
Please note that I dispute owing this debt. Update your records and inform the credit bureaus. Do not contact me further until you have provided the requested verification.
-Thank you,
[Your name]
Ask for a Settlement
You may be able to settle the debt for less than the full amount if you offer a lump sum payment. Get any settlement offer in writing before sending payment. Make sure the letter states payment will settle the debt fully.
-Explore Your Defenses
There may be defenses that apply in your case. For example, if the debt is past the statute of limitations in your state for suing to collect, you may be able to get the calls to stop on that basis. Consult a consumer rights attorney to understand your options.
Report Violations
If the collector keeps contacting you illegally after you’ve asked them to stop, report them to the Consumer Financial Protection Bureau and your state attorney general.
Block Numbers
Use call blocking so your phone won’t ring when the collector calls. On smartphones, you can usually set this up through your phone settings or carrier account. On landlines, you may need to get an anonymous call rejection service from your phone company.
Let Calls Go to Voicemail
To avoid talking to collectors, let all unknown numbers go to voicemail. Don’t answer calls from numbers you don’t recognize. Check voicemails later and return only calls you want to respond to.
Screen Calls
Use caller ID or a call screening app so you can answer only calls you want to take. Apps like Hiya can screen robocalls and debt collectors for you.
Dealing with persistent casino debt collectors can be frustrating, but by understanding your rights and taking action, you can get the contacts to stop. Don’t hesitate to get help from consumer advocates or an attorney if you need it.