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Many homeowners behind on house payments are being harassed by banks. They keep calling struggling homeowners day and night adding into their stressed lives. Banks believe the more they call behind-on-payments homeowners the more will be the chances of getting paid. But the reality is the banks can’t get any money if the homeowners don’t have it. Many homeowners behind on house payments wonder if they can do anything to stop the harassing calls. They do recognize the owed debt but they can’t continue with the payments due to financial crises.

There is a solution to this problem. According to “Fair Debt Collection Practices Act” debtors can request a creditor to not to contact them further regarding the debt. This notice can also be sent to the banks. But the problem with most of the foreclosure assistance companies is they don’t know what FDCPA is and how the law can help their clients. So, when choosing someone to help stop foreclosure, homeowners should ask what they will do to stop the bank from doing harassing calls. Good companies ask their clients to sign a form that is sent to the banks requesting them to contact the Foreclosure Assistance Company, instead of homeowners, for further communications regarding the house debt and the payments.

FDCPA, 15 U.S.C. 1692-1692p, Per Subsection 805 sub section (c) Ceasing Communication states: “If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collection SHALL NOT COMMUNICATE FUTHER with the consumer”

The key is to make sure the notification is done properly; the bank knows who to communicate with and the notification was done officially with a confirmation receipt. This legally stops banks from calling homeowners anymore. This Federal Law was enacted to help consumers preventing harassing-calls by creditors. Banks can’t violate a Federal Law and are liable for the consequences for breaking it.

SaveUtahHomes advises: if you are a homeowner behind on house payments and looking for a Foreclosures Assistance Company to help you then select one who understands the “Fair Credit Reporting Act” and can stop the banks from harassing you while taking over the process of saving your home, credit and future.