That’s a great question. It is one in which people get a lot of wrong information about. Let me give you an example that will give you more insight. You have one account in two different collection agencies. Although the collectors calling you are not breaking any laws, because you can’t pay $100 a month on both of these accounts, you get frustrated and make the following mistake.

You tell one of the collectors that you are going to send a letter to them demanding that they stop calling or writing you about your account. Although they stop communicating with you, there was one thing you did not consider. They had already sued you and got a judgment against you. You live in a state in which you can be garnished. Three weeks later you are shocked when you find out your pay check has been garnished.

Although you were told by your friend (unrelated to Sponge Bob Square Pants) that you should write your letter, I bet you he is not going to give you the money that was garnished from your pay check. So what is the moral of this story? If you are thinking about ceasing communications with a bill collector, you should call a former collection manager to advise you on what to do. You can reach me at 313-744-5977 or you can e-mail me at [email protected].