need advice/assistance

Hey Sass-I would send what you legally owe them with the letter reciting your laws and explaining that you have enclosed a money order with said amount and that you request a PIF letter from their company...

What about One Step Cash? Do I just tell them they aren't getting any more money and recite the laws saying basically the same thing? Has anyone had any experiences trying to get a PIF letter from them?

You can call them but send them the letter as well...I haven't called anyone I just sent them letters first and when they start calling again, I have my letter in front of me.

I am too scared to call them!!! I will send them the letter!! I am a big chicken.

Dont feel bad...I am too chicken to call them too...The one or two times I did talk to these companies I got off the phone and was in tears....

Dont be afraid.. that is what they count on.
They are on the other side of the phone.. they wont reach through trust me.
Just call stand your ground and when they say " we will serve you papers or take you to jail" remember they cant..
If you stand up to them THEY will back down when they see you cant be beat down..
Keep in mind they dont have Debtors prisons :)

GFSIL keeps calling me at work and asking for my supervisor. They have been advised that they cannot speak to my supervisor because of laws and not to much my supervisor could care less....They called 6 times in a row....Asked for me, my coworker said that I wasn't here and then said..Well I meant P***** (my supervisors name) My coworker said that she could not do that because she wasn't allowed and hung up and then they called and called....URHHH! I have sent them letters and faxes telling them they are paid in full and to leave me alone and i know they have gotten the faxes because both times I faxed them the letter-they called back within the hour after they hadn't called all day....What to do!

Send or fax them a cease and desist letter. Tell them they are not allowed to contact you at work or anywhere else.Be sure to include in the letter that your attorney has advised you that if they violate this request you will sue them and it is a $1000 fine per contact attempt for violations of your fair debt collection rights. That should do it. Be sure to keep a copy and should they attempt to call again, log those calls and sue them!

Cease and desist letters and FDCRA fines only apply to third party collectors. It doesn't apply to the original creditors.

That is true but if they are operating illegally it will make them run fast to the border. It worked for me on all 4 of mine.

goudah2424 is right. fdcpa only applies to origional creditors.
Sending a cease and desist letter to an origional creditor will only make you look stupid and will make them step up collection efforts. I would pay them because they will eventually just sue you.

If you deal with them at home they won't bother you at work. You can ask them the next time they call to not call you at work and if you work something out with them more than likely they will abide by your wishes. I am talking about the original lender.

i agree they will not bother you at work as long as they can talk to you by other means.I answer the phons at my job so I am waiting to tell them "she no longer works here" lol

I have already overpaid them..so if they decide to sue me..they will look like ignorant fools in a court...If I legitimately owed them more money I would just pay them but I do not!

Well, I sent them the letter stating I have already overpaid them, plus I reported them to the AG's office, so we will see what happens.