stopping NES

I would try and get a mailing address and/or fax number for this outfit and fax/send a cease and desist letter to them ASAP. You have told them repeatedly that your sister doesn't live there so they need to stop calling, since this is a violation of the fdcpa. Document all calls with times, etc. and if you have to, complain to the state attorney general's office if it doesn't stop.

I can get a mailing address no problem (I've seen their better business burea page, it's there). Our phone bill will show that they've been calling multipe times a day for nearly two months now.

What would this letter have to say? And like I said, if knowing what they're doing is illegal (and knowing that we know it is) hasn't stopped, is this going to do anything?

but thank you for the advice. Also, if my sister in fact has received a letter saying she no longer owes on the bike, would that be helpful? If she has such proof, would a copy of that finally force them to stop?

Sending a copy of the letter to them couldn't hurt. What needs to happen is for the original creditor to notify them to cease collection activity on her, and obviously this hasn't happened in her case. I would also notify the original lender and let them know that this is still happening.
When you send the letter, simply state that they have called x amount of times and have been told repeatedly that this is not a good address for your sister. Since your sister isn't at this address/phone number, they need to cease collection activity. You can also find templates for this kind of letter on Polly's blog on the site.

A written letter from the original creditor would be great to fix this. Keep a copy for her and send them a copy.

National Enterprise System the company keeps calling for my daughter who does not live here anymore ,she actually found someone who does not care about credit check to let her rent a home and she got the rent down to what she wants to pay it is a home of a guy she knows his mothers home.Anyway this company keeps calling and demanding that she call back no matter how many times we tell them she doesn't live here anymore.

Brenda send Nes a cease & desist order certified mail return receipt.If they continue file police charges for harassment and civil suit for tort damages.

the fdcpa, a federal law, restricts the number of times that a CA can legally call a third party, and it also restricts what they can say in that communication. I would get their address and send them a letter via certified mail return receipt, stating that they are in violation of Section 804 of the Fair Debt Collection Practices Act, and if they do not immediately cease any and all contact with you regarding this matter, you will file suit against them for it. Tell them that you are a third party who has no information to give them. They are only allowed to contact a third party once, and if you ask, they are required by law to identify their company. They are also prohibited from pretending to be someone that they are not, as well as from misrepresenting the reason that they are trying to speak to your sister--that is a violation of Section 807 of the FDCPA. I would mention that in there as well. Once they receive this letter, you will get the green receipt card in the mail. If they call again after that, then you should file a lawsuit for the above violations, in addition to violation of a cease and desist demand--that is also illegal per the FDCPA.

debt collectors calling at all hours to harass people about someone else????????s debt is nothing new. Do not worry all you have to do is to send them a cease and desist letter via certified mail with a return receipt request. Under the fdcpa, a debt collector can only communicate with any third person other than the debtor for the purpose of acquiring location information about the consumer. However, the collector shall not communicate with any such person more than once unless he or she genuinely believes that the person is giving him or her false information regarding the debtor. You notify them in writing that you do not have any information to give them and hence they should stop contacting you.

When something is repossesed voluntary or involuntary it doesn't erase the debt. The creditor will resell the asset for likely a lesser value than what it was originaly purchased for. The resale value will be subtracted from the debt sometimes leaving a remaining balance. The remaining balance is the debt still owed per the contract that was signed.

Guest if the person has a letter forgiving the deficientcy balance,there is no debt to collect at all.

This is the original poster again.

What should this letter say excatly? I can't find a template for this particular problem with debt collection agencies, and I have no experience at all with this kind of thing.

Id also like to know more about this since they have been calling me for a year now, once they even called 26 times in a single day. They continue to call me at work and even have threatened to meet me in person if i refuse to pay.