Is there anything I can do?? Collections calls...

[mere2368]

I lost my job, and subsequently my house, 2 years ago.  When I bought my house I made the mistake (young and dumb didnt research etc) of doing and 80/20 loan... so the house foreclosed but apparantly the 2nd loan was not included.  I have since gotten a job... $20,000 less a year.  Right now I am struggling to make ends meet as it is between rent, utilities, and groceries for my 1yr old and myself.  I have even tried to get govt assistance but apparantly I make too much (funny how that works huh??).  The collections company for the 2nd loan start calling at 8:05 am and call multiple times until 8 pm.  They call my parents house also... I haven't lived there in 8 years.  I have tried to explain to them whats going on and that I just honestly can not pay them.  I asked if the calls could slow down... I know they have to call but they call all day long and my parents.  The girl was so rude and I am so depressed and down and out about this she put me into tears.  I feel horrible about all of this but there is literally nothing I can do right now.  Is there anything I can do to get them to stop calling as much or at least get them to stop calling my parents house all day long???

[Travis-84]

Send them a letter (and send it certified, return receipt requested), stating that you want them to stop calling you.  Under the Fair Debt collection practices act, they are required to obey that letter, and stop calling, but its possible that sending such a letter could make them more likely to sue you. 

[RobertEG]

"This is notice under FDCPA 805(c) that you are to immeditely cease any further communication with me with respect to this debt.

This extends to all forms of communication, including writtten, telephonic, or electronic."

[LIGHTNIN]

Need alittle more info,please.

Do you know your states SOL?  Are you past your states SOL?

Do you know the DOFD on the 2nd mortgage ?