A call from National Financial Systems, Inc. When I received a payment of $194.53 after my checking account from Chase closed. Me and my brother both receiving Supplemental Security Income (SSI) every month on the 1st date as a low-income. It's in my mom's checking account. Our money is for her rent payments. Me and my brother both disability. At this company, they keep asking for the checking accounts or other bank accounts only. Not money orders. I cannot stand it anymore. I couldn't afford it.
2007-11-21 03:18:01 · 8 answers · asked by Alfie Martin 1 in Business & Finance ➔ Personal Finance
Send a letter to them in writing, with a return receipt from the post office (so you have proof someone signed for it) to immediately cease and desist from contacting you by phone. If they fail to do so, it's illegal, you can take them to court.
A sample letter can be found here. You will want to alter it to fit your needs, such as stating that you are on disability and can't pay. And that you want them not to contact you again. http://www.creditinfocenter.com/forms/sampleletter7.shtml
As my mom used to say, you can't get blood out of a turnip, and people who simply say "Why don't you just pay your bills!" don't understand.
2007-11-21 03:22:02 · answer #1 · answered by Tracker 6 · 3⤊ 1⤋
You need to send them a "Cease and Decist Letter". As long as they don't actually own the debt. If they actually own the debt then they have every right within the limits of the "Fair Debt Collection Act" to call you. I suggest you spend a few bucks and pick up a book by Benjamin Dover called "Back Off". Yeah, funny name but he's a radio personality who worked for years in the collection industry. I've listed his website below.
My wife and I had a car repossesed shortly after I left the Army. We were so poor, we couldn't pay attention. But, we heard about Ben and I picked up a copy of the book. You wouldn't believe how conducive the collection agencies were willing to deal after I told them to cease and decist. By law, after you send them this letter, they are only allowed to contact you directly one more time and that is usually to tell you they recieved the letter.
Good Luck and feel free to email me if you need anymore info. My email contact is in my profile.
2007-11-21 04:20:08 · answer #2 · answered by sfuller94 3 · 0⤊ 0⤋
right it is a available option... creditors are paid, in many circumstances, on what proportion peope they help... no longer how a lot of human beings pay.. i are conscious of it sounds loopy yet hear me out.. do no longer substitute your # this could reason problems for human beings as calls will pass to former employers, ex girlfriends, and many different places the place you do no longer choose you company unfold around.. Do easily hear to the collector, in maximum circumstances the 1st minute or so is a script that "might desire to be study" for high quality, then they might pass off script and answer all questions.. there are courses like a difficulty application the place you pay month-to-month money( once you ssi gets in) and you additionally can request a settelment that throughout many circumstances will decrease you invoice in 0.5!!! do certainly no longer cling up nevertheless reason the respond is there.. you basically might desire to locate the final collector that might actually assist you.. in case you're no longer getting the solutions you elect.. call returned or consult with a supervisor.. as quickly as you teach you're arranged and prepared to artwork with a creditor they're going to bend over backwards to help!! there is obviously one very final thank you to renounce the calls besides the undeniable fact that that's a cop out and extremely low on your area.. that's cheating .. it shows you do no longer care approximately responsibilities you have made and placed you call on therefor exhibiting you are able to't be depended on sooner or later with loans.. in spite of everything a credits card is aloan with a economic enterprise.. write a "end and decist" letter and supply it 30 days.. merely placed you do no longer care approximately costs and to no longer call you on account which you haven't any longer any attention for people who attempt that might actually assist you "via loaning money" and the calls will provide up, your account will charge off and in case you think of your credits is undesirable now merely wait till that takes place.. additionally in case you have any little ones which would be waiting for faculty in the subsequent 10 years this might wreck their possibilities as a results of no pupil loans.. college little ones have no credits so whos do they run for a pupil very own loan???? yours!
2016-11-12 07:41:39 · answer #3 · answered by ross 4 · 0⤊ 0⤋
My mother lives on Social Security and has over 10,000.00 in debt and we were going to file bankruptcy on her. The attorney's advised us not to file because legally they cant garhish her check so they advised us to change her phone number. Thats about the only thing I know of to do. I wrote them many times tellen them to leave her alone being 70 and it was ignored so we had to change her phone number after haven the saem number for over 20 years.
2007-11-21 03:29:30 · answer #4 · answered by WhAtEvEr....... 4 · 0⤊ 1⤋
Disconnect your phone and only answer cell phone calls where the caller is IDed.
2007-11-21 03:21:37 · answer #5 · answered by tracymoo 6 · 0⤊ 2⤋
pool the money and pay the debt and sleep better!!!!
2007-11-25 00:53:49 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Tell them nobody lives there by that name, you have told them over and over, they have the wrong number. It worked for me!
2007-11-21 03:26:31 · answer #7 · answered by ~Kim~ 6 · 0⤊ 2⤋
Pay your bills and they won't call you at home ever again.
2007-11-21 03:21:35 · answer #8 · answered by Big D 2 · 1⤊ 1⤋