Check your rights with the Federal Trade Commission Also local office supply stores offer credit repair kits that have the form letters you need and simple to follow instructions.
by donsabe - 20 hours ago
Contact Consumer Credit Counseling. They will help you get your bills on track and help you reduce your debt. Not paying isn't an option. Your credit score will go down, and when you need a loan for a car or house, or even want to get a credit card you stand a greater chance of being rejected. Most of the time debt collectors just want to settle the account. If you work with them, they'll likely be more receptive to a payment schedule.
by Yah00_goddess - 20 hours ago
one- they will never stop calling...even if you change your number. you need to make a payment arrangement so that you can get this off your back and your credit. you need to learn how to live within your means. i know i had to file bk before and it suxd. don't get yourself in the same predictament.
by maryjane - 20 hours ago
You have rights under the Federal Fair Debt and Collections Practices Act. These is a clearly described method for stopping creditor calls at home and/or work. Your state may also have collections practices rules that protect you. 8AM seems particularly early to be permitted. In any case, your first step is to confirm who is calling you, and get a mailing address. Any effective communication that will have any legal power is going to have to be by mail. Read the Federal and State statutes that apply to you for more details. My company has a custom 24 month program to resolve large debts, and we use these rules (and others) to stop the phone calls to our clients and put the ball back in your court. Our program isn't the perfect solution for everyone, but if we can help you I'll be glad to let you know. Call 888-221-2711 and ask for the Director. If I can't help you, I will help you find someone who can, and point you in the right direction. Good luck, and remember collectors can't charge you extra for hanging up the phone.
by DebtDirector - 20 hours ago
Speak to them and try and work out a new payment plan - you will have to pay up but if you speak to them they might try and work out something you can do. Read all you loan contracts really well. If a creditor does anything that is even slighly against the contract no matter how small, you can cancel the entire agreement and pay nothing and keep all the money or goods they gave you - speak to a solicitor!
by simon_srwp - 20 hours ago
If you want creditors to stop calling you I don't think you can do so without filing bankruptcy. Once you take your case to a lawyer, you then informed to let the creditors know you are filing bankruptcy and that they should contact your lawyer. At which time you would give the name, and address of your lawyer. I was always under the impression that if you owed a creditor they are allowed to contact you based on the delinquent account. I am not sure where that borders on harassment. Maybe someone else has a better suggestion or more knowledge.
by tragicangel33 - 20 hours ago
If they are calling that early, then report them to your state's consumer affairs bureau. Also, if you ask them to stop calling you in WRITING, then they have to adhere to that. Research the Fair Debt Collections Practices Act to see what your rights are... Otherwise, you need to get together with a credit counseling agency and make some sort of arrangements to repay, but on your terms with lower interest that may be more affordable for you.
by stampcrazed7 - 20 hours ago
tell them it is against the law to call more than once a month..ask them to slowly SPELL out their full name so you can write it down..and ask them to slowly spell out the full name of the company that he is calling from or he is representing and their telephone number...and write it down..and put the time and date of the call along with the full name of the caller... and now inform him or her that you have recorded this information and you do not want a call for at least one month or your going to make a complaint to the Federal government... Good Luck
by ft3535 - 20 hours ago
Well if true, you can tell them that you dispute the bill and have retained legal counsel Once you tell them that they cannot call you ... but if you do that, the credit collector will tell the company and you will soon be in a court being sued If you do not dispute the amount and it is just that you cannot pay it, then your best bet is to call the company and arrange for an installmet payment plan
by shadowalfalfa - 20 hours ago
answer with "butchers mortuary, you stab em, we'll slab em
by larry6482003 - 20 hours ago
Debt Consulation Groups can help you reduce your payments, reduce your interest and will stop the creditors. it's really a relief!!
by marchand198 - 20 hours ago
Pay your debt!
by rkz234 - 20 hours ago
if they call over three times a day most states will consider that harassment. write down every time they call. if you have informed them you are unable to pay the bill then they countue to call, then that is harassment and you may have a ligitement case against them. JUST BE SURE TO WRITE IT DOWN EVERYTIME THEY CALL. Also if you say "stop calling me at this hour" they can call you, but at a diffrent time.
by quickrecall2005 - 20 hours ago
quit living above your means, champagne dreams on a beer budget. that is one of the biggest curses of americans. living way above what they can afford. keep this up and they will stop calling because you wont be able to afford the phone bill and then the phone will be turned off.
by ManFromMumbai - 20 hours ago
answering machine. Leave the default voice on the machine and screen your calls. Don't answer if you don't know who it is or if they don't leave a number. I haven't picked up my phone in 2 years, I just wait until a recognize the caller.
by hollowmanbilbo - 20 hours ago
You can get there info and write them a letter. A certified letter, go on line check out http://www.cccsswva.org/AskSusan/Harassment.asp
by Big Jay 7 - 20 hours ago
Call the phone company and change your phone number, and make sure the new number is unpublished. It works.
by Mycroft - 20 hours ago
Tell them you moved.
by krystal_leighton - 20 hours ago
yeah lol dont get into debt.... you OWE THEM MONEY. would you be pissed and calling someone all the time if they owed you money?
by mnvikes - 20 hours ago
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