What if you tell them to kiss your ?

what state are you in? how much was borrowed and paid back? what companies did you borrow from?

PDLs are much like unsecured credit card debt. They can and will..... call you, harass you, call your references and harass them.

But after all is said and done.....they have the legal rights to file a civil suit and get a judgement against you. In some states, check your state laws reguarding PDLs, they can file criminal charges for closing your bank account. However this almost never happens.

In the meantime, send them C & D letters and the calls will stop.

If they are illegal companies they do not have legal rights. They can not really touch you. Illegal companies can not really get get a judgement against you.

The only ones you need to worry about suing you are the legal lenders. What are the names of the pdls you are dealing with?

Personally I think the more you answer the phone and talk with them the more they will call and bother you because they know they have you. I have never one time answered the phone to any pdl and I have a generic automated message on my voicemail that does'nt say my name. If you just ignore them the illegal pdl's will eventually give up and go away. Within one month all of mine had quit calling, actually all of them but 1 quit calling after about 2 weeks.

i agree, please tell us what state you are in, how much was borrowed and paid back and the companies names. we can help you from there.