How to stop harassment by collection agency

What if they are contacting you but you have no debts?

Why are they contacting you? have you talked to them?

An old creditor has a cease and desist letter in place. We want to settle a 5000 debt for 1500-it is over 5 years old. They say they need us to fax them a letter with offer. They want 2500. Is 1500 fair and are they right in wanting us to fax them a letter?

Do I use the same Cease and Desist letter if I want a bank to stop calling my 90 year old father? I have volunteered to surrender a vehicle that my father signed for. They said they would take the car back but the phone calls will still continue to my father unless I send them a letter. What format of a letter should I sned them?

As a first party, the original lender or bank is not bound by any cease and desist unless state law supercedes.

Once you are making payments of any kind, even very small ones, remember to review your statements and ask or politely demand that any 'finance charges' or other fees be removed as well.

Sometimes these fees and other charges can be more than your regular payment. This happened to me and I was able to get these charges removed every time I called (3 or 4 times).

When you agree to a payment schedule be sure to get your interest rate stated clearly (always demand a low rate) and try to get language preventing additional fees as long as you are making a regular payment even if it is very small.

The best way is not to answer anything letters, phones, etc. Whether valid or not, the minute you answer they will continue to harrass and the debt starts anew from that moment. Just make sure your phone contact list is always accurate so you do not answer unwanted calls. Never give anyone but your immediate family and friends your landline. For anything else use a cell phone which has many capabilities to block or verify unwanted calls. In other words keep ahead of their game.

Oh and one important thing, do not have credit cards with the same bank you have your checking account or other accounts. A friend of mine lost his job and was not able to pay his credit card and the bank withdrew all his funds from the checking account to subsidise the debt. Funds that were loaned by a friend to pay his rent. That's illegal but apparently not if both accounts are in the same institution. Be careful.

last year i borrowed money from a car title loan company and this month i havent been able to pay on the loan they are harrassing me with phone calls to my job family etc wht shud i do ?

check you state laws too - not all states allow collection agencies to garnish your wages, so they might be blowing smoke on that one

OMFG! this lady just called me saying that she was with allied and i said who is allied and she said can i have your social and i said no you may not, who are you with. this lady replied with i have your social your loss and hung up on me!

Can a collection agency continue to call when you've asked them repeatedly to stop and you are making monthly payments to the original creditor? The collection agency has this on record.

Can a collection agency continue to call when you've asked them repeatedly to stop and you are making monthly payments to the original creditor which the collection agency has on roecord?

The collection agency cannot harass you once you have informed them that you are working with the original creditor to pay off the debt. But if you've merely asked them to not call you, it won't work. You need to inform them in writing. Send them a Cease and Desist letter via certified mail with return receipt requested so you can have proof of it. If the CA still contact you, they will be in violation of the FDCPA laws.

If I recall the Fair debt Collection Practices Act PROHIBITS them form Contacting your Employer or Calling you at work

No, it only prohibits contacting you at work IF you tell them not to contact you. Up until the point where you tell them "no work calls", they are free to call you at your job.