STOP HARASSING PHONE CALLS FROM CREDIT COLLECTION AGENCIES
Name: _____________________________________
Street Address: ______________________________
City: ______________ State: ____ Zip: _________
Date: ________________
Credit Agency: ______________________________
Address: ___________________________________
City: ______________ State: ___ Zip: _________
Phone: ______________
Account Number: _______________________
As outlined in the Fair Debt Collection Practices Act, I am notifying you in writing that I do not wish to have you contact me at work or home nor to contact my neighbors, employer or relations regarding this account.
All further business with me will be directed through written correspondence.
If you do not comply with my request, I will file a complaint against you and your company with the Federal Trade Commission and will prosecute to the full extent of the Fair Debt Collection Practices Act.
Sincerely,
__________________
Send certified mail (return receipt requested) and keep a copy for your records.
re: calls for other people
Just ask the person who they are calling about to send a letter like Vince posted. If they continue to call you then you can file a report with the FTC.
It is ridiculous what these collectors do to people who have done nothing wrong. Go after the debtor, not his or her family and friends.
calls for other people
The only debt my husband and I have is for our house and it's always paid on time. However we get several phone calls a day from debt collectors. One is calling for the man we bought our house from four years ago. We had never met him prior to buying the house and had no communication or relationship with him outside of buying his house. We have no idea where he went after he sold us his house. The phone number we have is not the same one he had. However we get daily calls for him, and we have told them he does not live here and that we don't know where he is, most of the calls are just recordings. If we don't answer or are not home, we get voicemail with that last bit of thier computer message. The second group of phone calls is for someone we never heard of, we get recorded calls for her too most of the time, when we get a live one we tell them we have never heard of her, but we keep getting those calls. The third one is for my sister. She used our phone once to call another company, she used her tax return to pay off her student loan and was visiting us and used our phone. She told them not to put the number down as her number and told them it was Not her number. She paid off that debt completely. However she has another debt for a credit card where she tried to make a payment plan after she was laid off her job. They would not accept any of the amounts she offered and now they are calling my house daily. They will not accept that she does not live here. I have told her to do something about her debt, but she is an adult and I can't force her and I darn sure am not going to pay her bills. Now between the three of them I get at least three calls a day, often more. I am tired of it, how do i get rid of them?
debt collecting companies
This companies tried to get a debt settlement from me until I showed them my newly bought shotgun. After that they stopped calling me, I wonder why...
No let up
My wife has been getting calls to her wireless phone from 800 684-8429 for the last couple of months (she has had the number much longer). They call about 5-8 times a day. The first time I talked to them, they asked for "Shanee King" and I told them that we did not know anyone by that name, please stop calling. The calls continued unabated.
Another time I was equipped with a recorder. On answering, I stated this call is being recorded, please state your name, employee ID, and the name of the company you work for. The response was, "Sir! I can't talk to you if your recording", and she hung up.
The calls continue.
Do I want to risk, by sending the suggested form letter, giving this company with obviously low/no moral standards more information about myself (name & address)?
Phone calls from 800-684-8429
I am having call rejection put on my damn phone so I can block this phone number. I tried talking to them tonight and telling them whoever they are looking for doesn't live here but they have called 4 times in 2 hours!!! I'm reporting them to the FCC too! Ridiculous.
Had to be some privacy legal
Had to be some privacy legal contract with them. You can stop them with something like this because it's not normal to get phone calls from strangers. It's enough that i'm stressed up with the work i really don't need any more stress sources.
3 to 5 calls a day??? Well
3 to 5 calls a day??? Well that's a lot, I don't think they should be allowed to do so, this is pure harassment. I think it's normal to get an official warning and a deadline according to the credit contract but these calls are out of line. Have you ever considered debt consolidation options?
Niece is a headache
My husband and I have had a similar problem, except the person with the bad debt is my husband's niece, who used her own name (same last name as ours) and OUR phone number on her credit applications! We did not give her permission to do this, nevertheless, WE are the ones receiving the harassing phone calls. She has married, and has a new last name. I have given ALL of her information, including her married name, phone number and address to the credit collectors, yet they persist in calling our home. My guess is she ignores their calls. What is the proper course of action?
Too many phone calls - try this--
Haev your son communicate with these people and work out a payment arrangement -- and have it in writing. Then make the payments!
If the calls from some collection agencies are harrassing you illegally, try this:
Phonetray Free.
http://www.snapfiles.com/get/phonetray.html
Install on your computer with your phone cord hooked to the modem. It can screen calls and even give the caller busy signals or disconnect messages. And it's FREE.
If you like it, flip the software author a few bucks.
Stop collection calls
This is a sample letter you can send to the collection company.
Date
Your Name
Mailing Address
Your City, State, Zip
Re: Notice to Cease Contact Regarding Debt for ______________________
Name of Collection Agency
Mailing Address
City, State, Zip
I am notifying you in writing that your agency has contacted me regarding a debt for [name of person who collector is contacting you about]. No one by that name lives at my address or phone number.
Therefore, I am requesting that you cease all communication to my phone number regarding this person's debt. If you persist in believing that [name of person] is somehow connected with my address and/or phone number, please provide proof of your claim.
You should direct all future correspondence in writing as outlined in the Fair Debt Collection Practices Act (FDCPA) and to cease all communication with me by telephone.
Lastly, I would like to receive confirmation in writing that you have received this letter and will no longer be contacting me about this other person's debt, or I will be forced to seek further legal action.
I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].
Sincerely,
_______________
(Signature)
Your Name
http://www.privacyrights.org/Letters/debt6.htm
Too many phone calls that are not meant for me!
I have been getting anywhere from 3 to 5 calls a day, every day concerning my son's debts. I already asked them to STOP CALLING MY PERSONAL HOME PHONE yesterday 9-16-07 at 11 am. I told them I am going to report them in if this does't stop. And that I do have caller ID on my phones.
But It DID NOT STOP.! They called again the same day at 4pm. So, what else can I do about this?
Tell your son to be a man &
Tell your son to be a man & call them back to set up arrangements. If he can't pay then he should try a debt management program or file bankruptcy. If your old enough to get a credit card then your old enough to handle it own your own & not hide behind momma & daddy. Also I see so much about FDCPA. Does anyone even know that FDCPA is for third party collections & doesn't actually govern the the banks you got the credit cards from. Don't blame the banks, no one made anyone take a credit card & charge it up. You have to be very disciplined or you should never have a card & you are the only one who knows that. If the bank wouldn't give you a card you would gripe about that & now that they want their money back everyone thinks they are the bad guys. It is no different than if you loan your friend some $ to help him out & if he didn't pay you back you would have a real problem with that so why does everyone see it so different if it's a stranger loaning you the money. I just think people really need to take a hard look at themselves before they strike out at the one who was willing to loan them the money, but that's my opinion. This wasn't just about your son but to everyone who thinks they should not have to pay money back they owe. I just don't understand how a person can feel that way.
Can I Borrow Your Porsche?
You have the right idea, but you're almost as big of a douche as these people that keep calling. You obviously must be a lender or some kind of person in a 'the one making the other bend over' position, as you think it's 'sooooo big' of someone to lend another money. Guess what, if you don't have the qualifications to be lent money they're not going to lend it to you anyway, so if you do meet those, it is by your own self that you are considered an asset to a lender. So i've got news for you buddy you're either going to get a loan or you're not, no one is out there taking chances on people as proven by the way people act like such assholes when they take a look at your less than perfect credit score.
Bad shit happens to good people. Good people don't have health insurance that fall upon illnesses. Good people get their car smashed in the street and no one ever owns up to paying for it setting them into less than ideal money situations, etc. Please do us all a favor and get off your high horse and get to know some real people, because it seems the only one you know are happy-go-lucky douchebags like yourself.
As another poster has
As another poster has already said - the son could have fallen on tough times. I, too, have fallen behind on my debt. I have every intention of paying them back, but unexpectedly, I could not meet that obligation.
As for the calls coming to you - unless your son is a minor, it is illegal for a creditor to call you. It's HARASSMENT and the creditor knows this. My creditor used the internet to find the number of a neighbor that I did not know, and called them!!
it has nothing to do with
it has nothing to do with people thinking they shouldn't have to pay it back. Sometimes people get down in bad positions and they are trying to get out of it, take me, I lost my job and have been trying to get one back that pays me what my last job did, so while working odd jobs I have fallen behind on my bills. So now that I am behind I receive 5-10 calls from one HSBC account and 5-10 from another HSBC account EVERYDAY. I have answered and told them what my problem was, but they continue to call EVERYDAY. It is like every hour I get a call from HSBC and it is ridiculous. and it has nothing to do with me not wanting to pay, or thinking I shouldn't pay, I wish i COULD pay, and I don't need them harrassing me.
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