Credit Problem -

This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report?

Circle the disputed items on a copy of your credit report and enclose it. Credit Problem

Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice. This stops the harassment, but it does not erase the debt

If debt collectors are calling you constantly, there is a specific legally binding phrase you can use in writing: "Please cease and desist all calls and contact with me immediately". This stops the harassment