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Credit Collections

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      I have a collection agency that has been calling me every day and some times even more than once per day. The main problem, when I answer the phone they hang up. Therefore, I have no idea who is calling. Even with Caller I.D. I don’t know who is calling. Since it comes up as unknow caller and number. I finnaly found out who it was and asked them to stop calling me and hanging up. If they have something to say, they can’t very well say anything to me if they hang up the phone once I answer it. But that has not stopped them from calling several times a day. In fact they have called here three (3) times today already.
      How can I stop this hassel from this people. Nothing I say has any effect. Both my wife and I are disabled and these types of calls upset my wife enough that she has to take meds for her nerves and go to bed. That is not right. my nerves are not the best in the world either.
      Please help me come up with an answer to this very bothering problem.
      Thank You,
      Louisville, MS.


        Rick.. First off.. Don’t loose sleep over it !! I feel for you and your wife to deal with this.. But trust in the Lord.. and relax.. after all it’s only money!!
        I wasn’t sure by your letter if you OWE money to the agency ? But assuming you do.. & they are harrassing you. YOu need to send a registered letter to them stating you want them to cease with the phone calls.. NOW !  also remind them they could be sued for making calls After you notify them by mail !
        (One guy actually makes 30,000 a year from sueing Telemarketers for calling him , & more info : Tape recorded telemarkting calls have been illegal for Years ! ))
        IF you owe money.. work out a plan with them.. get it ALL in Writing .. don’t rely on phone calls.. Make copies of all your letters to them.. and copies of their mail to you .. (so you can send a copy with each letter you write. ) I like to Show them exactly what I am responding to in all business dealings.

        Check out these web sites too;,
        and Yahoo Groups  has many saving money groups to ck out.
        I pray this was of some help to you !


          Check out under debt settlement or debt management. There are form letters, a great forum etc. there. I sent my letters out certified mail and in about a week the calls just stopped. The law protects you. ;)


            I have a question concerning bill collectors and was wondering if anyone could answer it for me.  I have searched the internet but most questions posed are for those who do owe money.
            I returned to the states in 2004 and settled here in Texas  Almost immediate my husband and I began receiving calls from various collectors (Sears, Sam’s Club and others).  At first I tried to work with these collectors explaining to them that we are not the people that they are looking for my husband just happens to have the same name.  We don’t even have a Sears or Sam’s Club account.  It has been 3 years and the calls continue, we don’t know what else to do short of paying this persons bills.  How can I stop the calls?  We are on the “do not call list”.  Has this happend to anyone else?

            Thank you for any help anyone can give.


              artmaga…you probably need to pull your credit bureaus and make sure someone hasn’t stolen your identity.


                Thanks for your reply Robin,

                We have already checked our credit and there is nothing wrong there.  We have confirmed the last four digites of this other person and his address.  I forget the last four (SS#) but I do know that he lives in San Antonio.


                  I don't think you can keep credit collectors from calling by being on the DO NOT CALL list.  It's like political and non-profits … they get the right to still harass you for some odd reason.

                  Sometimes the Attorney General's office has ideas on this kind of thing. 

                  You could also ask the collector's what proof they need to show that you are not the one with the collections they're assigned and then provide it.

                  If you've resolved this, let us know how you did it so others can benefit.

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