First, I am so happy I found this forum! I have been reading your information and as a newbie am just not sure what to do about my current mess.
Capital Management Services has been calling my parents, siblings, husbands' ex wife and now my husband regarding a Citibank debt that they have taken over. I paid Capital for 6 months through a payment plan but due to the fact my husband is now unemployed, I am simply unable to pay any further. We're close to losing our house and every penny that I earn goes to paying the mortgage. Believe me, I want to pay them just to get them off my back.
I called Capital after getting messages from family members that they keep calling about my whereabouts and asked them (CMS) to please remove these numbers from their database. I was told they have and then they called my parents 2 more times. I called them again to say they are not authorized to call that phone number as I don't live there. They have my phone number which works fine. I even told them they were violating the fdcpa.
I can't stop them from calling even when I tell them I have no money. They then yell and say Citibank will file a judgment and hang up.
I'm depressed and don't know what to do. This is embarrassing. Should I write a do not call letter? The phone calls just make things worse because I never know who else from my friends or family they may contact.