You have the right to STOP collection agencies from ever writing or calling you again. The Fair Debt Collection Practices Act contains an empowering tool in for the consumer. By law, a collection agency must stop contacting you after they receive a letter telling them to. The body of the letter should basically read:

You are hereby notified under provision of public laws 95-109 and

99-361, also known as the Fair Debt Collection Practices act, that

your services are no longer needed.

Your organization is to immediately CEASE & DESIST all attempts to

collect this debt. I will not recognize any collection agency and will

deal only with the original creditor (WHOEVER THE CREDITOR IS)

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