C&D letter question

If you had read the FDCPA, cease and desist only legally apply to third party collection agencies. You can ask an original creditor not to call but unless you live in CA or TX, they do not have to comply.

You can try demanding that a tribal lender do not call you and that you will only communicate via email. Invest in an air horn or rape whistle....that will cut down on the calls.

Thank you SOAPLADY. I thought so but got confused about CA and TX rules versus Washington State. In Washington state the DFI states that it is illegal for any payday loan company to contact you at work. They also state that a payday loan company may not contact you or your spouse more then three times each week. Using this I will attempt to get the tribal lenders to stop calling me at work.

So far only UnitedCashLoans has continued to call work. They have called every work day at around 8:30 am from the same phone number. In the 11 times they have called so far they have left two messages. I can;t use the air horn/rape whistle at work and luckily they don't have my land line, only my cell. I am thinking of changing my cell number and giving it to my lightmate creditors and people I actually want contact with. ;)