into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining th

A friend of mine, a responsible sort who had always paid his bills on time, recently fell on hard times. The corporation that had benefited from the diligence and devotion with which he customarily performed his duties day in and day out for 10 years laid off hundreds of employees, and my friend – we’ll call him X – found himself downsized.

X had a son and daughter attending UCLA, and the combined income of X and his wife was what had kept the family solvent. With only his wife’s income keeping the family afloat, they were forced to delve into their savings. X, a JPL physicist, had no idea that his shining credentials would actually work against him in the job market. Time and time again he was told that he was overqualified. Weeks stretched into months, and before he knew it, the savings and the nest egg were exhausted. He was still unemployed.

Humiliated, X nevertheless called his creditors and explained his situation, expressing his desire to defer payments on his monthly bills until he was back on his feet. For a few creditors he was able to send a nominal monthly fee, but there were some bills he simply could not pay. Many of the creditors he contacted were not sympathetic to X’s plight. He began to receive calls from collection agencies.

He received calls off and on throughout the day. He tried explaining his situation, but the collection agency representatives had a single item on their agenda: to get X to pay his bills. X told me that the attitude of his callers ran the gamut: cajoling, patronizing, harsh, mean-spirited. Some of the callers probably crossed the line into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining tha

ed income of X and his wife was what had kept the family solvent. With only his wife’s income keeping the family afloat, they were forced to delve into their savings. X, a JPL physicist, had no idea that his shining credentials would actually work against him in the job market. Time and time again he was told that he was overqualified. Weeks stretched into months, and before he knew it, the savings and the nest egg were exhausted. He was still unemployed.

Humiliated, X nevertheless called his creditors and explained his situation, expressing his desire to defer payments on his monthly bills until he was back on his feet. For a few creditors he was able to send a nominal monthly fee, but there were some bills he simply could not pay. Many of the creditors he contacted were not sympathetic to X’s plight. He began to receive calls from collection agencies.

He received calls off and on throughout the day. He tried explaining his situation, but the collection agency representatives had a single item on their agenda: to get X to pay his bills. X told me that the attitude of his callers ran the gamut: cajoling, patronizing, harsh, mean-spirited. Some of the callers probably crossed the line into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining th

the nest egg were exhausted. He was still unemployed.

Humiliated, X nevertheless called his creditors and explained his situation, expressing his desire to defer payments on his monthly bills until he was back on his feet. For a few creditors he was able to send a nominal monthly fee, but there were some bills he simply could not pay. Many of the creditors he contacted were not sympathetic to X’s plight. He began to receive calls from collection agencies.

He received calls off and on throughout the day. He tried explaining his situation, but the collection agency representatives had a single item on their agenda: to get X to pay his bills. X told me that the attitude of his callers ran the gamut: cajoling, patronizing, harsh, mean-spirited. Some of the callers probably crossed the line into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining th

s plight. He began to receive calls from collection agencies.

He received calls off and on throughout the day. He tried explaining his situation, but the collection agency representatives had a single item on their agenda: to get X to pay his bills. X told me that the attitude of his callers ran the gamut: cajoling, patronizing, harsh, mean-spirited. Some of the callers probably crossed the line into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining th

into harassment. His stress level rose exponentially. He might have sought consumer credit counseling services were it not for the fact that paying for such services was simply not an option.

“What did you do?" I asked him.

“Nothing. I figured I’d have a pretty hard time proving that a caller’s tone was abusive. It wasn’t what they said. It was the way they said it. I tried explaining that I was an upright citizen who had always been responsible when it came to paying my bills. That went in one ear and out the other."

I told X’s story because there are those who think people with less than perfect credit histories are irresponsible, are somehow trying to scam their way out of paying bills, or are financially challenged individuals who couldn’t balance a check book. Sure, there are some people with tainted credit histories who fall into this category. But often circumstances we have no control over wash over us, and we may quite unexpectedly find ourselves in dire and desperate straights. X was one such person.

What X didn’t know – what a lot of people don’t know – is that there’s something called The Fair Debt Collection Practices Act. This is a federal law that was instituted to protect consumers from collection agencies and bill collectors who, in their zealousness, break the law and cross the line into harassment.

Three Words That Will Stop Calls From Collection Agencies

X didn't really need to pay for consumer credit counseling. All he needed to do was write a short letter that can be summed up in three words: Cease and desist. Actually, you’ll fluff the letter up a little, as follows:

"Please be advised that this letter is your notification, under provision of public laws known as the Fair Debt Collection Practices Act (public laws 95-109 and 99-361) that your services are no longer required. I will not acknowledge or respond to any collection agency and am exercising my right to communicate only with the original creditor