What To Do About Unwanted Calls

There could be many reasons you receive unwanted calls:  (1) Wrong Number (including for debt collection), (2) Debt, (3) Sales Calls, and (4) Donald Trump wants your vote.  While there is not much you can do about political campaigns and wrong numbers, you may be able to reduce the number of calls for debt and sales calls with these options: Option 1:  Pay Your Bills On Time Generally this prevents creditors from picking up the phone in the first place; it also helps to build your credit.  BUT if that ship has already sailed… Option 2:  Ask Collectors to Stop Calling You can ask the debt collector to stop contacting you.  You still owe the debt, but you do not have to deal with all the calls and letters while you work out your repayment. Just because you owe money does not mean you lack rights. Write a letter to the debt collector or creditor asking them to stop contacting you, make a copy of that letter, and send the original to them, certified mail with “return receipt” so you will have a record of their receipt.  That should stop contact, with the exception of a communication to let you […] Read More

Solutions to Unwanted Calls

There are ways to stop unwanted calls.  One is to pay your bills on time, another is to ask debt collectors to stop calling, and the third is to register on “Do Not Call” lists.  Here are details for these options. Option 1:  Pay Your Bills On Time Generally this prevents creditors from picking up the phone in the first place; it also helps to build your credit.  BUT if that ship has already sailed… Option 2:  Ask Collectors to Stop Calling You can ask the debt collector to stop contacting you.  You still owe the debt, but you do not have to deal with all the calls and letters while you work out your repayment. Just because you owe money does not mean you lack rights. Write a letter to the debt collector or creditor asking them to stop contacting you, make a copy of that letter, and send the original to them, certified mail with “return receipt” so you will have a record of their receipt.  That should stop contact, with the exception of a communication to let you know that no further action will be taken, or a communication that they intend to take further action, like […] Read More

Are You Receiving Unwanted Calls?

If you owe money you may be getting calls from creditors or debt collectors.  To learn more about your rights as a debtor, visit the Federal Trade Commission website at http://www.consumer.ftc.gov/articles/0149-debt-collection. If you do not owe money and are tired of sales calls, try these free registration websites for DO NOT CALL lists at the State and National levels: National DO NOT CALL LIST registration: https://www.donotcall.gov/ Florida DO NOT CALL LIST registration: https://www.fldnc.com/   Read More

Do Not Call Lists for Debtors & Non-Debtors

If you owe money, but do not want to deal with all the calls and letters you can ask the debt collector to stop contacting you with a letter drafted by the Federal Trade Commission (FTC).  The body of the letter is already worded for you and the format is set, just download from the FTC website and complete the information as indicated at http://www.consumer.ftc.gov/articles/0289-stop-calls-and-letters-debt-collector If you do not owe money and are tired of sales calls, try these free registration websites for DO NOT CALL lists at the State and National levels: National DO NOT CALL LIST registration: https://www.donotcall.gov/ Florida DO NOT CALL LIST registration: https://www.fldnc.com/   Read More