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How to Stop Collections Letters

I found out there are ways that I could mislead my creditors and stop collections letters. I decided to beat them at their own game and give creditors personal information that is different from my own so that they wouldn’t be able to locate me and communicate with me. The first step was to change the creditor’s access to my personal information, starting with my mailing address. No, I don’t have to move, I just had to make them think I moved.
 catd_mitchell @ flickr
I temporarily signed up with Earth Class Mail, to make it look to my creditors like I moved to California ( Earth Class Mail allows you to have an online post office box with a real street address in another state, so you can make your creditors think that you live in New York, California, or Washington!). A unique way to stop collections letters!

An hour after signing up with Earth Class Mail, I sent letters to the three major credit bureaus, telling them (the good citizen that I am!) that I had moved to a new address–just in case bill collectors wanted to contact me at my new bogus address.

Here are the addresses for the major credit bureaus…you’ll need to send a letter by mail as they won’t change your address over the phone.

Equifax

Experian

TransUnion

P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
P.O. Box 2002
Allen, TX 75013
1 888 397 3742
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
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10 Responses to “How to Stop Collections Letters”

  1. Stop Bill Collectors! » How to Stop Bill Collector Calls with the Ol’Switcheroo Says:

    [...] The next step: Making the bill collectors think you live somewhere else. [...]

  2. Stop Bill Collectors! » Collection Agency Letter to Stop Harrassment Calls Says:

    [...] way to permanently stop the letters is to “change” your address and phone numbers, see: how to get rid of collections letters in the mail and how to stop harassing bill collector [...]

  3. Stop Bill Collectors! » How to Stop GC Services Dead in Their Tracks Says:

    [...] Follow the instructions in this article to send bill collections notices to a mail drop. GC services will think you’ve moved, and send their mailings to the drop box–where they will be shredded. [...]

  4. Stop Bill Collectors! » How to Avoid Being Sued by Your Creditors Says:

    [...] physically move: you just have to make them think you’ve moved. I wrote a whole article about tricking collection agencies into thinking you live somewhere else, you can find it by clicking on the link. Share and [...]

  5. Stop Bill Collectors! » Judgments: What are the State Exemptions for Virginia? Says:

    [...] Unfortunately, Virginia is one of those states that isn’t very friendly toward debtors. The laws and exemptions tend to favor the credit card companies when it comes to judgments. In addition, the law also favors householders: if you ar enot a householder, your creditors can take all of your personal property (you cannot claim any exemptions). Unlike Florida, where your home is safe from creditors, Virginia law allows a creditor to force the sale of your home. Your best bet if you live in Virginia and you have equity in your home? Fool your creditors into thinking you live elsewhere. [...]

  6. AAA Says:

    I think there is one important factor you left out. If you offer your new Earth Class Mail address to the Credit Bureaus and tell them that you live in Oregon, but you actually live in New York City, you’re going to mail those letters from NY state. The postmark on the letter will be in NY, but your saying you moved to Oregon??? Huh? I think you have to fly out to Oregon or ask someone out there to mail those letters to the three credit bureaus. Don’t you think? Either that or tell them the Oregon address will be your new address in the next few weeks.

  7. Stop Bill Collectors!» Blog Archive » Address Changes Aren’t Such a Hassle After All! Says:

    [...] If you’re worried about losing that one piece of important mail (like a forgotten check), check out this article on stopping collections letters by “disguising” your address with…. Share and [...]

  8. Stop Bill Collectors!» Blog Archive » An Unfair Debt Collection Says:

    [...] find articles on how to stop creditors calling, how to stop creditors sending you letters in the mail, how to outwit your creditors using the fair credit collections act, and much [...]

  9. Stop Bill Collectors!» Blog Archive » Change Your Information and Update Your Credit Report Says:

    [...] a more permanent way to stop bill collectors from contacting you, see this article on forwarding your mail to an online service who will shred the collections notices for you. Share and [...]

  10. Stop Bill Collectors!» Blog Archive » ~Why you are Smarter than a Dumb Debt Collector Says:

    [...] got to know how to avoid bank account garnishments, how to stop wage garnishments, and how to change your address so that they can’t find you to squeeze the last nickel out of [...]

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