Seriously, These phone calls are Harrassment!

Hey, I know the routine and such and GoogleVoice helps, But seriously these Robo-Calls are harassment from these companies. They don't even leave messages. There should have been a law that calls should only be allowed once per day. Don't they realize people would rather ignore the abuse than face it?

Navy Federal is TERRIBLE at calling 8x per day I have been their calls and when I say I don't have the money they say the calls will continue because that's what the computer programs do!

Seriously Banks, your not doing yourself no favors. Anyone find a way to get these calls to stop? (besides paying up)

Answer the call on the first call of the day...you cannot claim harassment if you are screening the calls.

Yep. Pick up the phone when they call. After they talk to you, they won't call back again until the next day or, in some cases, if you set up a prearranged time to speak with them on a weekly basis, they'll leave you alone unless you don't hold to the schedule.

All you have to do is tell them read the notes, no changes and HANG UP. Keep control of the call and do not let them extend it!!

I have a couple of collectors that have attempted to collect debt from me that was not mine over the past few years. I have used the following tactics to make them quit calling:

• Tell them it is not your debt and to cease and desist.
• Tell them it is a work number and request they do not call it because you are not allowed to take non-work related calls.
• Change your phone number and keep it unlisted. If any business requests a contact number give them a fake one unless it is absolutely necessary they have your real number.
• Give them a verbal cease and desist.
• Mail them a written cease and desist return receipt requested.

If it is your debt you can still use these tactics but you may eventually be sued. Personally, I see no reason to have a daily phone conversation with a collector. If you do not have the money and circumstances are not changing then once a month is the most I would discuss with them.

Really the only effective way to do it is a written cease and desist.

Get a ringtone, or a few, that you really like, that's what I did. They called every 15 minutes for 30 days. There at the end the phone would only ring once or less, since they knew no one was going to answer.

Really not a good way to handle it. The cycle will continue to repeat itself when the account goes to the next agency. You are better off dealing with it on the first call and going without the screening.

Ask the collectors to validate the debt. If they can't validate the debt, then send a cease and desist letter to them. Tell them to stop calling you time and again.

I think the OP is simply saying s/he knows s/he owes the debt but doesn't want to be called several times a day. No sense in validating as a stall tactic. Both SoapLady and I advised that the OP should simply answer the call the first time it comes in and talk to someone. Once contact is made, there won't be any further calls that day. Screening your calls, not answering them and then complaining because you're getting so many collection calls really doesn't make any sense.