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.




I do not have knowledge of the person for whom the creditor is looking for. I have an unlisted number. Why do they keep contacting me??How do I get them to stop??? I have no idea what this is about. I have nothing to do with creditors, they have no need for me.

Sub: #51 posted on Tue, 05/26/2009 - 10:40

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Send them a Cease & Desist letter.

Sub: #52 posted on Tue, 05/26/2009 - 22:22

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

Is that something you can do in every state? I live in Georgia. I get calls from Greystond Alliance daily, but I haven't answered them. I guess the best thing to do is answer them and find out what they want, but don't give them any info? Then, send them this cease and desist letter?

Also, on another note...our local hospital is notorious for overcharging (3 times amount elsewhere) because it is a small town hospital trying to stay open. Anyway, if you get behind they immediately turn your account over to a collection agency or they immediately put a lien on your property. They did that to me for a $2000 bill I owed...was paying on...it was originally $3000....I missed payments for 3 months. I never got turned over to a collection agency. They immediately placed a lien against my vehicle. Is that legal?

Sub: #53 posted on Wed, 07/08/2009 - 12:24

Unregistered


If you know it's not your debt or they are calling for someone else, most certainly send the Cease & Desist. Otherwise, find out what they want, let them verify your mailing address (do NOT tell them anything without finding out just what info they have) and wait for the dunning letter - and then send them a Debt Validation request for them to prove it is your debt and that they are legally entitled to collect it.

Location, location, location - "they" always say. Yes, many places charge way too much depending on location. Exactly how that cup of coffee at the airport costs 2 or 3 times what it costs elsewhere.

As far as the vehicle lien - I don't know, it could depend on a few factors but it's impossible to ascertain without more details. For a vehicle lien, that requires them to file with the DMV so they would need legal proof of their right to, so I would venture that it is legal. But it normally takes a court order as a result of a judgment against you (filed in civil court) unless there was some provision for it in your financial agreement with the hospital (read that contract).

But anyway, medical debt is the #1 reason why people file bankruptcy, so you are not the only one. The whole industry is quite bloated. The US has the highest medical expenses of any country in the world (we spend 15.3% of GDP on medical care), Switzerland coming in second. Here is a great article from PBS:
"5 Capitalist Democracies and How They Do It"
"http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/countrie s/"

Sub: #54 posted on Wed, 07/08/2009 - 21:47

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I am a relative that keeps getting calls on a family member who apparently has not made loan payments. I have asked the collectors to stop calling and remove my phone number as a contact. I have no contact with this family member. I do not want to change my number but I keep getting calls.

Any suggestions. Thank you

Sub: #55 posted on Mon, 07/13/2009 - 07:37

Unregistered


Mail them a letter telling them to stop calling, Cease & Desist.

Sub: #56 posted on Mon, 07/13/2009 - 20:12

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

Hi,

Would this letter work even if the debt is a couple of months behind??

Also, I've been told by the CA that the original credit does not want to contact me. That is why they took over. Is this true?

Sub: #57 posted on Tue, 07/14/2009 - 13:24

Unregistered


Certainly. Just be aware that a C&D can be construed by them as an invitation to sue (which they can call you and tell you).

Maybe, it's quite possible.

Sub: #58 posted on Tue, 07/14/2009 - 21:07

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I keep getting calls from an attorneys office in new hampshire(i live in NC). I owe bank of america and my account has been sold several times. I got divorced and got behind on my payments. Now the guy is threating to sue me, can he do that? I don't even have anything as it is. I send what I can each month directily to bofa and he's telling me that isn't enough and I need to set up a payment plan with them. I told him that I don't have to deal with a 3rd party agency and just pretty much hung up on him. Is there a law that you can't hang up on the creditors 'cause I'm not dealing with their threats.

Sub: #59 posted on Fri, 07/24/2009 - 07:02

Unregistered


Nelson, Watson, and Associates started calling a distant relative of mine stating that they are not solicitors, in an effort to get my telephone number. Once they were given my telephone number, they continued to call this relative stating that my phone mailbox was full and they want my relative to give them another number?

Is this legal to be harassing someone who is not directly related or involved in any way with my personal financial dealings?

How can I protect this relative from these calls?

Sub: #60 posted on Mon, 07/27/2009 - 14:22

Unregistered


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