In today’s economy it is becoming a common scenario for individuals to have to deal with debt collectors. It happens for various reasons; loss of job, loss of a loved one, medical bills, having an accident and of course money mismanagement. No matter how a person gets there, they find the hard way that creditors and debt collection companies don’t care about the individual; their only mission is to get you to pay up! That’s when it starts, the phone calls, dunning letters and if they have your e-mail address, the dunning e-mails. What most consumers don’t realize is they have a legal right to stop the calls and letters.[...]

