Paragraph in the Fair Credit Act dealing with telling collectors to only contact you by mail.

Does anyone know if there is a paragraph in the Fair Credit Act dealing with telling collectors to only contact you by mail.

I think it is the Fair Debt Collection Practices Act (FDCPA) that you are probably referencing. Most of the act is dedicated to
describing the proper ways a creditor can collect on a debt. I don’t think creditor’s fully adhere to it, but Section 805 of the
FDCPA basically says that if you write the creditors a certified letter to cease and desist from further communications, then they
are supposed to stop from most communications – written and oral (by phone). When you do it, they are not supposed to contact you
anymore except for limited reasons (such as required notices that they may be required by law to send you in connection with a legal
action such as a lawsuit seeking a judgment for the debt). Also, if you have an Attorney, they are supposed to communicate with them.

For more info on the FDCPA and creditor contact: http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm I belief the FDCPA applies ONLY to debt collectors and not original

creditors. This is a federal law. There may be state laws that apply to original creditors.