A debt collector must stop contact if you’ve already paid the debt. When you’ve already paid off a debt (or settled and paid it) but collectors keep calling you can stop the harassment by sending them a letter that informs the collector that the account was previously settled and is no longer collectible. In your letter demand the collectors remove your account, and all references to your personal information, from their records. Additionally, your letter should say that you do not expect to hear from them again and if they do contact you again that you will consider it a violation of your Fair Debt Collection Practices Act rights and will immediately pursue all legal action necessary to protect yourself.
Here is a free sample letter: Previously Settled Debt Letter
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