Do cease-contact letters work with 3rd parties?

Your parents need to send him a cease contact letter certified return receipt mail.

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fdcpa applies to attorneys, if they 'regularly collect debts.' All of the FDCPA, including the fun bits about being sued for violations.

I also had a problem with creditors calling my elderly parents, with whom I have not lived for 30 years. One was Advanta. They called them because I have caller ID and don't answer the calls from the creditors (I am in a debt settlement program.) I sent the cease and desist letter on behalf of my parents, not even registered or certified, and got a letter in reply that they can call ME as much as they want. Which I knew. duh. No mention of the calls to my folks, but the calls to them stopped when I advised my mother to first ask for a manager, then to tell the guy that it was illegal to call them more than one time. He was surprised that she knew her rights and agreed to remove their number from the file. No calls since, and it's been about six weeks now.

Your rights vary depending on if your collection is from the primary creditor or a third party collector, i.e. a collection agency. Although, in either case you have rights.

1. If you have told the collectors that you CAN NOT receive calls of a personal nature at work and they persist, send them a letter by certified mail to this effect (with a return receipt requested). Should the calls be from the primary lender send your documentation to the State Corporation Commission or the Attorney General for your respective state. If the collectors are from a third party collection agency they fall under the Fair Debt Collection Practices Act (fdcpa) which is a federal law that regulates how they call collect debts. In this scenario include in your correspondence the request that they cease and desist their collection efforts. Once you have done this they are limited to one more contact, period! Also, if the collectors are from a third party contact the company that issued you credit and advise them of the problem, they do not want ill feelings or a poor public image (even if you are past due).

2. You DO NOT have to provide them with a post dated check or your checking account number. Although, if you make a promised payment be sure to keep the promise!

3. Ask the companies if they will re-age your account after three months worth of payments or if they will settle the account (for a percentage of the balance due, although this may not be feasible unless you can borrow the money, perhaps from a family member if not a bank).

I have a Condo loan, however, the primary lender have made various mistakes. 1. Made a second illegal direct debit rom my account. 2. I set them anamount of money to apply to the principal and they distributed as monthly payments.
After my complainn they redo the distribution and applied it to the principal. After all this, they claim I am behind in my payments, they charge late charges, reversed payments, all untrue, and they harass me all day and night, this is the staff of the Primary Lender. What are my Options, under what Law.