
Quoting
Bill Collector
Just to let you know...
1. If you did not get the collectors' permission to record the calls they are inadmissable as evidence.
2. The just have to SEND the letter within 7 days of the initial contact. If they don't have the correct address or you don't receive it, that is not their fault.
3. In order to make the agency stop calling, you must submit a request to cease and desist via writing and prove they received it (certified mail). Some agencies will agree with a verbal C&D but most don't. Telling them that you are not accepting their calls is NOT the same as a cease and desist. It is the equivalent of "I'm not listening to you..." It doesn't mean they'll stop talking.