The easiest way would be to pay your bill. If somebody owed you money how would you handle it? Would it still be harassment? The best way is prevention. Stop agreeing to all these credit cards, loans, deferred payments. You signed an agreement and did not fulfill that agreement. I had creditors trying to get in touch with me and I was trying to ignore them; however, I ended up having to settle my debts because it was killing my credit.
It is illegal for a collection agency to continue to call you either at home or work once you give them written notice to stop. This should be sent CRRR (carrier return receipt requested) so that you will have proof they received your letter.
What often happens is that they will then simply pass the debt off to another collection agency who will start harassing you all over again.
I suggest that you determine if the "collection agency" is: (a) the original creditor or (b) a "3rd party".
If the answer is (a), they can pretty much do what they want if you owe them money (they are not subject to the FDCPA).
If the answer is (b), simply get their address and send them a letter demanding that they "cease and desist" communicating with you at work, at home, or where ever you do not want them to communicate with you.
(A word of warning here...if the creditor has you targeted for suit, this letter could be the catalyst for sending you and your debt straight to court. Don't try to be tough. Be smart, be professional, be responsible. Do some homework and try to resolve this thing before it gets worse.)
The phrase "cease and desist" typically scares the @#$% out of most collection agencies. When they see that they start thinking "attorney general complaint". It pretty much shuts them down. While this will keep a 3rd party agency from calling you it does not make either the debt - or your responsibility for paying it - go away. You may wish to read the Fair Debt Collections & Practices Act (FDCPA) for other rights you have.
Many states have laws that are more restrictive than the Federal law. Massachusetts residents, for example have very restrictive laws. Oh yes, it IS a good idea to send your letter "return receipt requested". This gives your message an extra punch and usually sends the collection dogs in someone else's direction.
Remit a "cease and desist" letter to the agency via registered mail with receipt requested.
If they are calling from a 3rd party collection agency, all you have to do is ask them not to call you at a specific number, and by law they can't. That is not always the best thing to do, however. If you limit they amount of access they have to you, they are more likely to consider your account for lawsuit.
Yes but if you tell them to stop they have to comply.
Sorry but... 'celebrity' phone numbers are NEVER available to the public ! This is to stop drunken 'fans' calling them up at 3 am saying "please say 'hi' to my buddy" !
pretend you're the supervisor and tell creditor that the he/she was let go/laid off weeks ago!
The best way to stop a collection agency from contacting you is to write them to stop collecting you. It really is that simple after you write to them they are required by law to stop calling.
Remit a "cease and desist" letter to the agency via registered mail with receipt requested.
It is important to pay bills on time, every month. A collection agency calls to help a person with their finances and with paying their past-due bill, they stop calling when it is obvious they are not getting what they need, and they need to send it to a persons credit.?æ
No. They should stop calling.
The next time the collection agency calls you, you need to let them know they are calling the wrong person. You should also ask for the manager.
Yes, but there are consequences to the collection agency. See the related links for more information.
Are you talking about a collection agency? You need to consult an attorney on this, as statutes of limitations vary by state.
Write your doctor and try to get the terms in a letter (that would remediate the proof issue that you raised). If the doctor is honest and this is truly your agreement with him/her, that should get the collection agency to stop calling, unless they are calling you for a portion of the unpaid, agreed-upon balance.
When a collection agency calls you can inform then that "x" resident no longer lives their and you wish for the calling to cease. Otherwise, If the calling does not cease you can contact the FTC (Federal Trades Commission) and file a harassment complaint. If all else fails and the calls continue despite your many attempts to have the calling ceased it would be in your best interest to have your phone number changed.
Only the IRS
TELL THEM TO GET BENT! Or... Tell tham that you are going to contact your state's Attorney General and register a complaint of harassment. That usually stops them cold.
This depends 100% on where you live. Where I live if you say: "The person you are looking for does not live here, do not call again" then they are supposed to stop. Realistically you need to get an agency name and phone number to make it stick. The exception is if the phone number is the number of the person they are looking for. But many of these calls are cold calls to same last name numbers. Look up your collection laws and rules for your area on the met.