Harrassed by a bill collector?

Question

I am being harrassed by a bill collector, I called to find out the address to their location so I can send a cease and desist letter. However, the man refused to provide me with that info. He insisted that I give him my information first, which I did not want.
All I know is that the name of the company is ICS, and their number is 888-847-7243. I've been trying to find them, but none of the companies that I find has that number listed on their contact page. Please help. I have no letters from this place.

Answer 1

Try pulling a free copy of your credit report. The contact info of your collectors will appear in one section near the end of the report.

If they are harassing you and refuse to stop, document everything in case you decide to sue for violating your rights under the Fair Dect Collection Practices Act.

Answer 2

The honest Debt Collections Practices Act is the governing physique for the full series industry. Do an on line seek for a "stop and Desist" letter. you're able to deliver this letter to the unique creditor and the series business enterprise. interior this letter comprise a fact which you need to record all destiny telephone contacts to apply against all events for harassment. you will probable in no way hear from the business enterprise or the unique creditor returned. although in case you're able to be contacted returned then you definately can touch a collections legal expert to document a lawsuit against the series business enterprise. there's a $10,000.00 superb for all FDCPA violations.

Answer 3

Bill collectors will not stop calling until they collect the money owed to them. So pay up. If you don't remember what it is you did not pay then ask them to send you a letter with all the information of who you owe etc. Don't give them your personal information, because if they are the one calling you and they say you owe then they should have all that information.

good luck.

Answer 4

Bianca,

I'm sorry you're being harassed. I have no better advice other than what was offered above, but hopefully an experience I had will brighten your day.

YEARS ago I made some VERY bad decisions and suddenly found myself in trouble financially. My creditors were not happy with me, but for the most part, they accepted the "recovery plan" I presented to them. I'd landed a great new job and my Plan allowed me to pay off (not catch up, but PAY OFF) every debt I had in seven months. None of the debts were very big so I was a small fish -- who cared? ONE.

One creditor turned into a total horse's backside assigned someone to harass me AT WORK 3 to 6 times a week even though I'd never missed the payment schedule we had agreed to earlier. Monday it was a call to confirm the Friday payment, Wednesday was the same thing and Friday was to see if I'd mailed the payment. If he was bored(?), he would call more often. I kept bringing up that I'd never missed a payment, I kept asking him to stop calling me at work and kept asking him to either leave a message on my HOME answering machine or send a letter to MY HOME.

At one point he even called my parents and gave them detailed information about my account (although I was legally an adult and had taken the loan YEARS after I had moved out of their house) and tried to get even more money out of them! And this was not some Mom & Pop creditor, it was a licensed federal credit union! (If I knew then what I knew NOW, I'd probably be the proud owner of that institution!)

After several weeks of his refusal to leave me alone, I finally had enough and really blew up at him, hung up and called his boss. His boss was an even bigger jerk and I hung up on him, too.

Sitting there fuming, I suddenly thought how unusual the collector's name was. I reached over, picked up the telephone book from HIS city (100 miles away) and found a matching name in the white pages. I called the number and I suspect it was his wife who answered. I introduced myself and cheerfully and politely asked if Bob still worked for the credit union. She said, "yes" and she said she would be happy to take a message.

I gave her my name, HOME address and HOME phone number and proceeded to tell her that it was quite inappropriate for her husband to harass me at work for a personal issue just like it was inappropriate for me to call his home number regarding a work issue. I mentioned that it would be more appropriate if all future collection efforts from him were directed to either my home telephone number or by letter. The conversation was polite and pleasant although it was obvious near the end that she didn't like me calling her home any more than I liked him calling my work.

I never heard from Bob Horse's-Backside again or, for that manner, anyone else from his company. They never even sent another weekly reminder or monthly statement. I followed my Plan and not only caught up on my debt with them, but also paid it off early -- all without some Backside harassing me at work 3 or 4 times a week.

Answer 5

I found this.

"The law prohibits:

Harassment and abuse, including:
The placement of telephone calls without meaningful disclosure of the caller's identity. "

I'd call the FTC