payday loan calling me everyday

Why are they calling you, have you defaulted over the loan? Have you offered any payment plan? It may work sometimes.

Or you can register with this site to get some info on how to consolidate payday loans. Once you enter into consolidation program, your lenders will be receiving money from the consolidator and that might stop the harassing calls gradually.

For the time being, send them a letter stating you have some problem to receive phone calls, so it will be better if they communicate you through mails only. Remember, original creditors are not abided by fdcpa, hence they can ignore your request. But there is not harm in sending out the letter, right? Keep us posted.

You mentioned Prelitigation, is that the name of the company who contacted you? If so, please use the search function of this website (located on the bottom left of this page) and search for more information about them. They go by several different names.

~Mary