Collection agency calls?

Question

What to do when a collection agency calls you 10 times a day and demands that you pay the full balance or else they'll take u to court?

is it legal?

Answer 1

If you owe the money, yes, they can call.but they can't threaten you with court.  Please go to the link below where there is a form letter called a cease and desist communication letter.  Sending this letter is your right and if they violate the request, you can file a complaint.  Read the page carefully and follow the instructions exactly.

http://creditforum.org/archive/index.php...

Answer 2

Write them a 'cease and dessist' letter and state that they may no longer contact you by phone and in writing only. Just send it by registered mail and give it 10 days. If they do it again, hang up the phone and report them to FTC

Answer 3

First, stay off the phone. It's a collection agent's favorite tool.

Second, send a demand to validate letter to the collection agency asking for proof of this debt and that they have a legal right to collect it. Include a line about all phone calls being inconvient and that all contact needs to be done through the mail. Send this letter certified return receipt.

Next, start learning your rights under the FDCPA, FCRA and any state laws. Creditinfocenter.com and CreditBoards.com are great resources of information.

Answer 4

Send them a certified letter telling them to cease and desist, they have to quit calling you, if the debt is owed however that will not eliminate it, Just put in your letter that you do not deal with collection agencies and will only work with the original creditor

Answer 5

Yes, it is legal if you owe the money.  If it is a case of Identity Theft then you want to obtain all 3 of your credit bureau records from the 3 companies, and begin a police investigation from there.

When you signed up for a credit card or loan, you promised to pay that money back.  Since you are not holding up the end of your contract, they have the legal right to collect owed funds.

Answer 6

pay them in full or next month it will be 20 times a day

Answer 7

they can only call once a day. Make them an offer you can pay now. Tell them that if they will accept this offer as settlement to give it to you in writing first. and you will send in money order overnight. else do not call again. OH they will then tell them again. Always get  the name when they call and ask them if they know --- I spoke with him at --- time why are you calling now did --- not place any notes about our conversation. please see ----- notes and call me only when you can do the deal