credit card companies making endless phone calls

Hi jschaud

Welcome to the forums. As per the fdcpa law under Section 805(a), the creditors cannot contact you unless you consent or their is a court order in your name.

Under Section 805(c), all the collection calls and communications are required to stop once the creditors or the collection agencies receive a written notice from you. You should inform them that you refuse to pay the debt until the debt is validated and want the collection calls to stop. The FDCPA law restricts the collectors from contacting the consumers thereafter.
http://www.debtconsolidationcare.com/validation.html .So, you can exercise your consumer rights as per the FDCPA law and send written letter to them through certified mail with written receipt requested. Most probably, all the disturbing calls will stop after they receive your letter.

Regards
Roxette

Roxette,
Can I send one of those to Ellis Crosby? If so, if they don't call me how will I know what they are proceeding with?

Hi mdow315

Be rest assured that the people from Ellis can't hurt you in anyway. Well, of course you can exercise your legal consumer rights and send this letter to them

I totally would send one to them. If they violate a cease and desist letter, you can turn around and sue them.


[quote=mdow315]Roxette,
Can I send one of those to Ellis Crosby? If so, if they don't call me how will I know what they are proceeding with?[/quote]

We just can't tolerate the unfair practices repeatedly and need to exercise our consumer rights.