How to stop harassment by collection agency

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You can legally stop all the harassing phone calls from the collection agencies. You can send a cease and desist letter via certified mail to a collection agency and request them to stop contacting you.

However, make sure you have a copy of this letter for future reference. Once the collection agency receives this letter, they are required to stop communicating with you under the FDCPA law. They can only inform you about the actions that will be taken against you.


Sub: #31 posted on Tue, 05/05/2009 - 07:18


I believe they are still entitled to collect money owed to them by any legal means.

Sub: #32 posted on Tue, 05/05/2009 - 07:59

(Posts: 1950 | Credits: 200.54)

would that be because you still have the "debt collector " mentality in your bone or is this still your profession? They are entitled if they do it legally without harrasmement and can provide validation...and if this is done the courst can provide a judgement which will eventually go away if the person can not pay within the sol..this is the risk that credit cards take..why they make sooooo much money and charge such huge interest rates...double billing tactics etc...because they can and they do and they also include their projected losses into every future purchase you make with a credit card....if you can't pay will go away and your credit score will be bad for a few years..but this all goes away with time sorry j.m.o.
[samebox:ddc5f8349b="paulmergel"]i also said that before FYI did.that's the fact.a company can still collect in BK.besides nobody subscribes to your point of view.later.[/samebox:ddc5f8349b]

Sub: #33 posted on Wed, 05/06/2009 - 00:40


Umm, that first sentence was uncalled for, especially considering that you said what she said in the next sentence. She said "BY ANY LEGAL MEANS". ***LEGAL***.

Suggesting that someone ignore their legal obligations (and since a debtor signs a contract, they are legally obligated to pay back exactly as the contract states) is highly unethical, and in the case of debts, can be downright destructive.

We are for the truth here, the facts of the law, and of due process. We are not here just to play cheerleaders for the "I hate all creditors" crowd.

There is no law stating that a company that is filing Chapter 11 cannot sue a debtor. That is the facts. If you do not like the answer, petition your Congressperson and Representative to introduce a Bill in the Legislature to make it illegal.

And just because a person voluntarily returns the car does not absolve them from the debt. A lease is different than purchasing it, this person violated their lease contract by ending the lease early. Those policies for early cancellation would be on the Lease Agreement if you need to be sure exactly what they are.

Sub: #34 posted on Wed, 05/06/2009 - 02:44

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I understand the mods here are here to help the site who "consolidates debts" If no one one here has a voice or a reason and the site downt make money it makes a lot of sense that you try to help with bad "creditors" but that you get people to try and pay their debts because the site makes money with "debt consolidation consultations" you are right everyone should pay their debts but I thinks if they end up here on this site most arent going to pay and looking for more "laws" on their side to get out of the situation
[samebox:990b730f4b="paulmergel"]spoken like a true humanoid.[/samebox:990b730f4b]

Sub: #35 posted on Thu, 05/07/2009 - 00:17


No, I disagree. While there are a few dishonest collection agencies and a few dishonest debtors, most that come here are being treated illegally by collection agencies and being told all kinds of false threats that place them in genuine distress.

People should try to pay their debts because it is the right thing, the ethical thing to do.

There are no ways to get out of paying your legal debts, except for getting a cell phone, and constantly moving and changing jobs (a consultant or a temp is a handy way to avoid garnishments) and hiding out for 7 1/2 years. That's a loooong time these days.

Sub: #36 posted on Thu, 05/07/2009 - 01:05

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I get daily calls from Allied Interstate, and I owe them nothing. I have excellent credit and owe no creditors. How do I get them to stop calling me. I called the number back that comes accross caller ID and it is a number not in service.

Sub: #37 posted on Thu, 05/07/2009 - 13:29


They are probably useing a # that can not receive incoming calls, personally I think that is dumb.. but hey.. it's not my company. Look them up online.. call them.. tell them to stop. easy pie.

Sub: #38 posted on Thu, 05/07/2009 - 14:29

(Posts: 1950 | Credits: 200.54)

Mail them a Cease & Desist letter via Certified Mail, Return Receipt Requested. Put on the letter specifically that this is not your debt and they are to leave you alone or you will file complaints with the FTC, the FCC, and your State's Attorney General.

Sub: #39 posted on Thu, 05/07/2009 - 19:42

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

you will have to file all those complaints because I believe once the debt has been re-sold...these second feeders down to the bottom feeders will ignore the fact that you can prove they received your cease and desist...I would add to Chrys more than the certified return receipt requested...I got a few "nixie" letters returned after a month or so that these bad debt collectors simply would not sign for the mail I has been quite a while since that happened but you need to when you go to the post office and they ask what you is more than certified, return receipt requested..that you need to purchase...because I had several of those returned undeiliverable but when I resent and spent more money...I think it is Express Certified? sorry I don't remember...all I know is I was then provided with tracking and the employees name who HAD to sign for the delivery..simple certified and return receipt requested? These bottom feeders know every angle how to ignore those and chrys...I am verysurprised you didn't acknowledge that info here?

Sub: #40 posted on Fri, 05/08/2009 - 22:09


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