Stop Creditors from calling

[Anonymous]

I just lost my job about 2 months ago. I managed to work with 2 of my original creditors in a payment plan with lower interetes and lower payment for 12 months. I have 2 more that are not willing to work at all and they keep calling 3 times a day, 7 days a week. They asked me the same question, why can you not pay? how long ago did you lost your job? etc... Can they call this much? Can they call even on the weekend? They are original creditors not a collection agency, please help

Martin

[elaine829]

They still can call if you owe them. But You can send them a certified letter stating that you dont want anymore contact with them in writing or phone . But then they can go ahead and start any process in getting they're money meaning collections, lawsuits. But if they are not working with you now at least you have a piece of mind because with that cease and desist they cannot contact you any more or they would be violating laws.

[okiesean]

Try calling them directly instead of letting them call you. Ask for a payment plan and if they say they cant offer you one then ask to speak to a supervisor. The agents calling you are mostly just calling for a payment and may not be in the department where they can set you up into payment plans. It is always better to work with the original creditor than a collection agent.

Perhaps a debt management program would work for you. I dont know much about them but there are alot of postings on them in the rebuilding your credit forum section. Can you tell us the name of the two who are unwilling to work with you. Perhaps someone has dealt with a situation like this before. You might also post your balance and how much is past due or when you made your last on time payment. I know usually at 180 days delinquent they chargeoff the account and the calls to you will increase the closer you are to chargeoff.

[newstart2010]

Do not send a cease and desist unless you are ready to pay them off or ready to go to court, because that will be the next step.  Simply tell them that you wish to work with them on this, and want to find an amicable way of keeping this account in good standing until you get a new job, but that you want all communication to be done in writing, and that you do not wish for them to call you anymore.  That way you are not blocking them out, you are just asking they work with you in writing.  You should never speak to them on the phone because they can be so rude and you do not need to deal with them.

[MattH]

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@Anonymous wrote:

I just lost my job about 2 months ago. I managed to work with 2 of my original creditors in a payment plan with lower interetes and lower payment for 12 months. I have 2 more that are not willing to work at all and they keep calling 3 times a day, 7 days a week. They asked me the same question, why can you not pay? how long ago did you lost your job? etc... Can they call this much? Can they call even on the weekend? They are original creditors not a collection agency, please help

Martin

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What you need to do is convince them they will get more money from you by having some patience than they will get by hounding you.  You can make them stop calling by sending a cease-and-desist letter, but that will probably cause them to think their only option is going to court, which you want to avoid doing.  Try politely asking to speak with a supervisor, politely asking the name of every person with whom you speak, politely telling them you prefer to communicate in writing, politely offering to negotiate a settlement, etc.  In the meantime, it is also in your interest to lower expenses and increase income however you can so that you can offer a better settlement to your creditors.

[Anonymous]

DV. See the link in my sig.