debt  how to  phone


Question by  Bpg (84)

How can you stop repeated phone calls from credit collector?

I have paid off my debt, but I am continuing to get calls.


Answer by  malone (4817)

You have the right per the Fair Debt Collections Practices Act to request IN WRITING that calls stop. Send your letter registered mail and specify that the debt has been cleared. Include proof. If calls continue, keep detailed records and contact an attorney.


Answer by  patti (29325)

You must notify collectors in writing (certified, registered letter) that you do not wish to be contacted by phone. It may take a few weeks to process the letter. You will still receive collection letters. Michigan, Ohio and Oregon residents may make a "no call" request over the phone.


Answer by  Dean (4035)

If you're getting calls, the debt is not cleared. Either a payment was not entered or there is a charge of which you are not aware. Speak to the party that is calling and ask for a detailed accounting of the last year's activities on the account.


Answer by  patti (29325)

It is likely your debt is not paid off, otherwise you wouldn't be getting calls. There is a problem somewhere along the line and you would do well to investigate rather than to assume. In the meantime, you have the right to request IN WRITING that phone calls cease.


Answer by  Djoneechan (142)

Request that they not call you again, complain to management. Usually getting anything said via the red tape of a credit card company will get you absolutely nowhere. A distressed customer is usually the nightmare of any company.


Answer by  tuppyqueen (311)

If you have paid off your debt it is illegial for them to keep calling you. When they call you need to ask them why they keep calling you. If they don't have an answer report them to the Better Business Bureau and they will tell you what to do


Answer by  dumpnrun77 (276)

The very best technique for getting rid of those pesky bill collectors is to get yourself on a remove list either by convincing them that the person they are looking for no longer lives at your residence or by trying to sell them something every time they call.


Answer by  MarkWatrous (729)

1) Call the original creditor and get proof of payment. 2) Send certified letter to idiots with copy of proof of payment. 3) Give idiots 30 days to respond to your proof. 4) If harassment continues, hire attorney and file suit under Fair Debt Collection Practices Act.


Answer by  MelindaS (1694)

One way to stop the calls if you have paid off your debt is to demand to speak with the caller's manager. You have obviously not been taken off the call system, and to get that accomplished, it would be best to speak with someone in charge.


Answer by  tamarawilhite (17883)

Have proof of the debt being paid off. Make copies. Then send these copies to the debt collector, with a note that continued efforts to collect will be seen as harassment. If they call again, contact an attorney to sue for harassment and contact the Federal Trade Commission.


Answer by  M85 (172)

Try changing your phone number. If you don't want that, make sure you have paid everything off and keep telling that to the collectors. They might leave you alone.

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