How to stop harassment by collection agency

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Hi

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.




CMRRR or Priority work just fine. Another "Humanoid" post.

Sub: #41 posted on Sat, 05/09/2009 - 03:59

NASCAR_Devil NASCAR_Devil
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If you mailed it to them and they did not accept it, then that is their fault and will be taken into evidence against them in court if they should decide to sue. If you want extra protection against that, I would also send a dispute to the CRAs with copies of the the C&D and the returned (& unsigned) green card and the returned envelope - copies, of course. The CA is legally required to comply and can no more get away from it than you can from a parking ticket on your windshield that you casually toss to the ground without looking at. ESPECIALLY if you back that up by telling them to Cease & Desist over the phone.

Certified mail has a tracking #, so your information is inaccurate.
("http://www.usps.com/send/waystosendmail/extraservices/cert ifiedmailservi...")

Sub: #42 posted on Sat, 05/09/2009 - 05:14

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

okay so if you send a certified and get it returned to you as "undeliverable" and it somehow gets returned after the "time frame" you were allowed to dispute the debt and demand validation..and the company says..we never got any correspondence from you..because they would not accept your simple certified attempt and you got that green card and later your letter returned as "undeliverable" don't you have an even harder process because they will not admit you responded with a debt validation within the time frame allowed for disputing...do not contact me further until you provide validation etc.etc.....certified mail does have tracking BUT if person on the other end refuses to accept the simple certified letters...they are indeed returned....I know because it happened to me and I used to work at the post office more than 30 years ago and was very surprised this happened! Maybe you guys are talking about reputable debt collectors..I was referring to what a nightmare I had to deal with getting these bottom feeders to leave me alone and it took paying I think it was almost $18 a letter in order to get the info of "attempted delivery to "name" time etc. I don't care if ya wanna call me a liar just tried to help someone here and I guarantee that there are other people who have sent a "green card" certified letter and the collection company has refused them and the debtor was wondering how in the hell did that happen?

Sub: #43 posted on Sat, 05/09/2009 - 20:43

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p.s. Chrys if you do not believe me I still have the green card simple certified letters I got returned in my safe..I am saving for seven years after the fact...I could scan those and e-mail them to you?

Sub: #44 posted on Sat, 05/09/2009 - 20:47

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What I am saying is that if you follow the proper process, then you should be ok. If you do *not* follow proper process, then you will *not* be ok. And "you" means everyone involved in the situation.

All I'm saying is that is they don't accept it it is THEIR fault. You have the evidence to show in court that you are being responsible. Period. CYA....

Sub: #45 posted on Sun, 05/10/2009 - 21:16

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

where can i find the information or state/federal laws that gives the consumer the right to request debt colletion be ceased by creditors and allowing that individual to deal only with the original collector to pay off any debt.

Sub: #46 posted on Mon, 05/11/2009 - 11:07

Unregistered


Sec 805 of teh FDCPA covers cease comms:

(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Sub: #47 posted on Mon, 05/11/2009 - 20:01

NASCAR_Devil NASCAR_Devil
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(Posts: 4666 | Credits: 308.23)

Sub: #48 posted on Mon, 05/11/2009 - 21:22

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I just started getting phone calls from NWA and I gotta tell you, they think they can be so intimidating, sounding all "legal" and stating they will have to make a "recommendation" to the creditor. I'm not sure what all that means and I have told them to prove it and send me terms and agreements in writing in the mail and they refuse. I've read a lot of things in the internet about them and I'm not sending them any money.... at all. Thank you everyone for contributing what you have to help me stand stronger.
denise, pensacola, fl

Sub: #49 posted on Tue, 05/19/2009 - 21:59

Unregistered


Send them a Debt Validation letter by Certified Mail, return Receipt Requested. They are trying to pretend that they are there to help you avoid the creditor suing you. It may be true, though. Hard to tell, so send that DV letter immediately.

Sub: #50 posted on Wed, 05/20/2009 - 01:26

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

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