payday lenders calling

The first mistake people make is they assume the fraudulent companies will play fair and obey the laws. They didn't when the money was transferred to you, so why would they start now? No, the lenders shouldn't be contacting you at all by phone. Did you send them both a letter (certified, return receipt) and an email? When I went through this I would fax them to so I had three verifications that they received my notice and if they were to call me again they would get my wrath. You are being called at work because it's a strong-arming tactic. If they are able to embarass you enough at your place of employment you might agree to pay. This is why its OK to tell your employer. If your employer has your back, then these people can only attempt to sell the debt to outside collectors and/or sue you but their claims will be shot down in court because they violated the law. It's a stalemate until one of the companies gets overly agressive an either wins or loses and sets a legal precedent that favors one side over the other.

The FDCPA (the law which prevents creditors from calling you at work) only applies to third party collection agencies. Since you mention that these people are the original creditors, you cannot stop them from calling you at work, at least legally that is.

What you can do is talk to your boss/supervisor/reception and inform them that you are being targeted by scammers and all calls of such nature should be ignored with prejudice and the numbers blocked promptly. That should put a lid on it.

If you want you can talk to them. There is no obligation really. Are you done repaying the principal? If not, send them another letter stating that you will pay the remainder of the principal balance using a money order or a prepaid debit card as and when you wish to. Tell them if they do not like the setup, they can go pound sand.

Just stay off the phone. Keep an airhorn by the phone...it works well.

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