The Free and Easy Way to Stop Bill Collectors’ Harassment
If you’re wondering how to stop bill collectors, you could try moving. Not by moving to a different house, but just making it look like you moved, by changing your address. Here’s how to get bill collectors chasing their tails with a fake address.
How to stop bill collectors in their tracks!
In the time it takes to fill out a postcard, you can have debt collectors chasing their tails. Changing your address doesn’t have to be all that difficult.
Inform Your “Whitelist”
Your “whitelist” is is the list of people you want to get mail from: your family, your friends, or your job. Chances are, your friends and family use E-mail for everything, but let them know that you’re having trouble with your post office that prevents you from getting mail. If they want to send you something, they need to do it either in person, or via UPS.
Change your Address
Head on down to the post office and fill out a change-of-address form. You can also do it online at
the USPS Change of Address Website.
Your best bet is to pick an address in another state that belongs to a large business or corporation. Your mail will be delivered to [your name], XYZ Company, Another State. The mail will arrive in the mailroom and may sit in a lost pile or they may and try to send it back to you. However, the most important thing is that in USPS’s eyes: you’ve moved and your mail is being forwarded.
Freedom from Bill Collectors
All of the mail that your creditors and bill collectors send you will be automatically re-routed within the post office to your “new address.” Once your mail is routed to the new address, the post office will send your debt collectors your “new” address if the item has Change Service Requested. You’ll often see this on letters from debt collectors: they will want to track you when you move. The debt collectors will receive the notice of address change and will start looking for you in another state.
Update Your Credit Report
Send a letter to the big three credit bureaus with your new change of address. Your creditors will pull the report, hoping to find you, and they’ll see that you’ve moved to another state. They’ll concentrate their efforts to find you there, leaving you in relative peace.
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 |
One final note: The drawback of this method is that you can’t receive mail at your home anymore. 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 without getting rid of it.
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