California and Federal law require collection agents and creditors to stop contact by telephone or mail after receipt of a "stop contact" letter. The letter sent by you to each individual creditor or collection agent creates a legal duty upon them to cease contact.
However such a letter may result in your creditor starting a formal collection by filing a lawsuit to obtain judgment. Most will just stop the collection process and suspend any action. The decision to pursue you in court is costly to the creditor. He will have to feel you have sufficient attachable assets they may levy to collect or you have income they may attach.
If you are unable to make your monthly payments you most likely have little to attract the creditors. You know what assets you have. Do you have real property with equity, stocks, bonds, or a large cash deposit in a bank? If your creditor can not locate such an asset you will not likely hear any more from them.
Below is a form letter you can copy and paste into a word file and use to notify your creditors to stop contacts.
Via Certified Mail
[debt collector]
[debt collector's address]
Re: [your name and debt collector's account number(s) for your debt(s)]
Dear [debt collector]:
I hereby request and demand that you immediately cease all contact written or oral with me, my family, friends, neighbors, and place of employment, pursuant to my rights under the state and federal fair debt collection laws, concerning any and all alleged debts you contend I owe.
Thank you for your cooperation in this matter.
Sincerely,
[your name]
tweet this!