How do I get them to stop??

Question

Okay, so I have bad credit. That was six years and 3 months since my last payment to two credit cards. Both accounts have been bought and sold many many times over the past years, but now because the seven years is almost up they are calling me day and night, leaving messages on any phone they cen. They even got my cell phone number that I use for emergecies from somewhere (not from me). One agency after much debate finally told me that they will turn it over to the IRS with some 1099C and let them handle it. Then they called me two days later and asked if i was going to pay yet. The other company finally disclosed their name *** and said they would call back again and again until i take care of this. I told them not to call after seven pm MST becasue my son went to bed at that time. They have called me everyday after 8pm. How do I get them to stop. They claim the 7 yrs is from the time they bought the account which is wrong but how do I get them to stop??

Answer 1

First of all they will tell you ANYTHING they think might get you to send money in. They will tell you they will arrest you, put you in prision, hand you over to the IRS, on and on and on. It's all lies, and most of it violates the 'Federal Fair Debt Collection Practices Act'. They will call your parents, neighbors, friends, siblilings, and minister if they haven't already. They just want you to make one single payment so the 7 year clock will start over. If they promise you something that sounds good to you, get it in writing before sending them anything.

I would at least unplug and turn off the phones after 7 so your son can sleep.

They will probably still try to collect after the 7 years are up too, although it won't be as aggressive. I'm sorry to say, you've got a rough time for the next several months.

Answer 2

Unplug your phone at night for starters. Then find a music club where they play death metal and pay the singer to bleep them into shuting up If all else fails try to go to the bank take out a loan and pay them back and then pay the bank back. if you can. good luck

Answer 3

Tell them the phone belongs to your employer and they must stop calling you....or you will sue for harassment. If you ask, they must stop.

Don't answer their questions and turn the ringer off when it's time for your son to go to sleep.

Answer 4

you can take them to court for harassment... and tell them that... they will stop and if they call your cell phone tell them it's a cell and they are not to call u on it... it's against the law! find out what the local laws are for solicating phone call hours on specific days... if they call after that keep a log and tell them you will take them to court for harrassment! it worked for me... they stopped calling i told them all correspondences needed to be in writing for a papertrail

Answer 5

turn off home phone
get new cell phone under fake company name

Answer 6

Here is a page that tells you how to deal with debt collectors. Good luck.

http://www.privacyrights.org/fs/fs27-debtcoll.htm

Answer 7

Read this article on debt collection laws and how to cope: http://www.expert-credit-advice.com/debt_collection_laws.htm

Answer 8

Find a good lawyer that can handle bill collectors.

Answer 9

you could file bankruptcy or you could talk to a lawyer he might have another idea that could help you

Answer 10

write them a letter telling to stop calling you, by law they have to do it
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