can a collection agency leave more than one message on my voice mail daily?
147200
depends on state laws.  I know here, they have to notify you in writing...then the calls start.  On the back of their written notification, it usually has the laws that apply to collections on them.  I know here (illinois) can write a letter requesting they no longer contact by phone...and they have to stop.
1065045
I'm afraid the above people are incorrect.  There absolutely is a statue of limitations for collecting a debt.  It goes by the type of debt and the state in which the debt laws are under.  Please take a look at the sources section for a link to a website that shows the statue of limitations on debts by state.\n\nJust because there is a statue of limitations on collecting the debt does not mean that they still cant report it to your credit.  They just cannot harass you and it is often easy to get it removed by paying less than you owe.  (by your question I cannot tell if you are going after someone who owes you money... or if someone is trying to collect against you... So I am just assuming someone is trying to get money from you.)\n\nIf you want the item removed from your credit you can contact the collection agency or the original debtor by mail (be sure to do everything by mail as it will give you proof in court if it has to go there)  Make sure to send all letters certified mail also, and keep copies for your records.\n\nI suggest you first dispute the claim that you own the money and ask for a copy of your signature on the document stating that you accepted the terms of the loan (or whatever they are after).  Please note it is illegal to dispute items that you know you owe, but if you honestly feel you dont owe it or cannot remember back that far, etc then it can be disputed with both the credit reporting agencies (transunion, equifax, experian) and to the collection company or the original person who claims you owe money.  \n\nIf that fails or you find out "Opps I remember doing that now" then you need to clear the mark from your credit.  Legally they cannot harass you and it is just in your best interest to clear the matter.  You can often settle for less than you owe, since they know they cannot legally come after you for the debt since it is so old.  Be sure to get in writing that they are willing to accept $xxx.xx and will remove the matter from your credit.  When you send the check send a "Restrictively Endorsed" check and letter.  AGAIN keep copies of everything.\n\nThe "Restrictively Endorsed"  letter will pretty much read as follows:\n\nDear SO and So,\n\n    Please find inclosed a check for the amount of $xxx.xx  which is to be used to pay off my account XXXXXXXXX.  Your acceptance of this check signifies that the account is paid in full and that you will remove all derogatory items from my credit report for all of the major credit bureaus.\n\nThank you so much,\nSo and So.\n\nWhen and if they deposit that check... They have just agreed to the terms in your letter.  Again the letter and check must be in the same envelope.  They must be sent registered mail, and keep a copy of everything.\n\nHope this helps you to remove that collection or at least clear it up (again the statue of limitations is below for your review).  If you are trying to collect a debt then the below link will help you to decide the statue of limitations also.
458285
You can only be charged for them if you answer them.  Firstly, when it says recieved, if you don't open or check them, you aren't responsible for them.\n\nIf they still charge you that is illegal.  Call them and ask them to A)Block the number, or B) Tell you how you can handle it without charges.
557633
You need to take the time to read the Fair Credit Reporting Acts and the Fair Debt Collections Act.  The reason you are having a hard time with these boneheads is because you don't know the law, and they are running all over you!\n\nI've posted the relevent parts below that will help you out.\n\nFirst, when you contact the collection agent, you must do so IN WRITING to prove you sent them a letter.  Be sure to state you want to have your debt VALIDATED!  This is very important.  Once they receive this letter, they must reply within 30 days.  Their reply must have PROOF that you have a legal obligation to pay this debt.  That means contracts, bills, receipts, and everything used to calculate what they claim you owe.  Also be sure to include a cease and desist warning, with warning about posting anything to your credit report while this matter is in dispute.  Once that is done, they can't do anything until the debt is validated.\n\nIf the fail to supply this information, and post negative information on your credit report, they will be in violation of the Fair Credit Reporting Act.  Whether the debt is legal or not, posting unvalidated reports is against the law and you can sue them in small claims court for $1000 very easily.\n\nIf they validate this debt, and it does appear you owe them, then pay the bill.  By law, the Collection Agency can not post anything to your report within 180 days of the date of delinquency.  (that's six months to you collection agents reading...).  \n\nI would also follow through with a negotiation demand that if you pay the bill, they will agree IN WRITING not to place negative information on your credit report, or remove anything that they did place.  Do not actually make a pledge to pay, or you may be restarting the clock on the Statute of Limitations.  Do not acknowledge that you owe the debt.\n\nContact me if you need any advice or encouragement.  I am not a lawyer or credit counsoler, just someone who likes to get under credit collectors skins.
1050070
No: unless you write them back!\nIf you just refer to "junk filters" and so on, no: the filter is just on your side and is completely transparent to the senders.
485012
Okay, most of you have no idea (or only a partial) idae of what your talking about. First things first, Yes they must give you there actual address end of story, failure to do so contsitiutes violation of the FDCPA. Now about cease and desist letters and forwarding. A cease communications letter (CC) simply states that you do not want us to contact you again requarding the debt- you must state wether it si to be written, verbal or both. Otherwise it will be assumed it is verbal. This doesn't stop the collection activity, it simply means we cannot call YOU for information. We can call your family and nieghbors to get information- But we can only call them once, and only ask Where you live, your phone number and place of employment (POE). We can only call more than once if we believe they lied and can prove it. This is under section 805 of the FDCPA chptr 8.  We can only call you again to advise you of specific actions we are taking, ie a law suit. A CC doesn't cover any new account turned over, only old ones so everytime a new acccount comes you mest send another. \nCollection agencys will not just send out other accounts to competitors in the area, is inneffective- they will simply sue if they get the info, or abondon the accoutn if the balance is too small- but the biggents thing to remember CC letters make it so we must sue you to collect, and we can get ifo in a whole lot of diffrent LEGAL ways.
566385
I agree with the first person. The do not call list. However, it will not stop calls from any company that you have done business with or collection calls. \nThe only way to make those stop is to tell the company when they call to remove you from their call list. For collection calls, tell them you do not wish to be contacted by telephone again.And also send them a certified letter telling them the same thing. \nAfter that if you still recieve calls from one of those companies you can report them and they could be fined. I think there is more information on the donotcall site.\n\nGood Luck!
1118057
They usually pass it in to another debt collecting agency as far as I know
978278
It depends on the company.  If it's a collection agency, they have the right to call you, just not early in the morning or late at night, or at work.  \n\nA company has the right to call you if you have previously done business with them (the do not call list does not apply here).  However, they do not have the right to keep calling after you have requested that they stop.\n\nIf it's a telemarketing call, and you have requested them not to call you, you can file a complaint by e-mail (donotcall@fcc.gov), telephone 1-888-CALL-FCC (1-888-225-5322) , or mail at \nFederal Communications Commission\nConsumer & Governmental Affairs Bureau\nConsumer Inquiries and Complaints Division\n445 12th Street, SW\nWashington, DC 20554
1067861
Sometimes it's a machine calling you - to check if you are home at certain times in the day, so they know when to have a human call and try to sell you something.  The machines are kinda dumb so they take a long time to figure out whether a human or a voice mailbox answered the call or not.  I just let my avatar answer the phone during the day to avoid the hassle!
771366
I get about 30 to 50 of these per day.  All from different email accounts and on multiple accounts of mine.  There is not much you can do other than report.  It is rather annoying.
488183
You need to contest the debt in writing. If you do not do so within 30 days, they can proceed with the collection, although if you missed the deadline you should still send the letter. The address to send you letter should be in the written notice you were sent. If you have not received a written notice, demand one next time they call. Tell them you will not discuss the issue further until you have received the written notice.\n\nIt is best to handle all of these conversations in writing. If you agree to something on the phone, followup with a letter detailing your understanding of the agreement.\n\nMake sure you write the letter in a professional, non-emotional manner. The fact that the process makes you angry does not belong in any correspondence with them, stick to the facts of the matter. Keep copies of everything you send and everything they send to you.\n\nThey have to show by a preponderance of the evidence that you incurred the debt (not beyond a reasonable doubt as in criminal cases).\n\nIf you are unable to resolve the issue and you still believe you are right, you may need to retain a lawyer. Because of this, if the amount is small, it may be better to simply settle. You can negotiate settlement with them including having the report removed from your credit report. They don't want to go to court either.
806031
If you are receiving junk mail from special companies call them and tell them not to mail you again \nfor ex, I get a lot of catalogs and brochures from crate & barel and stuff like that ...
1097417
Your cell phone company CAN make it stop.  I had the same problem.  Usually, if you threaten to go with another carrier, they'll fix it for you.  I was getting bombarded by someone else's Yahoo mail.
482026
The first issue is- did you tell them that you would contact them within a specific time frame? From your question it does not appear to be so. Hence I would recommend that you start off by reminding them that you had dropped off your card and would be very happy to do business with them or offer them special services/rates whenever they would require.\n\nThe idea is to remain top of mind by maintaining regular contact. However, I would advise that every contact should have some information which would be useful to the receiver. Or else your letter would be viewed as one more junk mail\n\nAll the best,\n\nTurab
612613
Sometimes.\n\nYou should write a letter the the credit bureau and object to it being there.\n\nIn fact it is good to do that with all negative information, because if the posting company does not write back and oppose it being removed, the credit bureau has to remove it.
813804
I am not Canadian, but would assume each province has it's own laws.  I would send each agency a certified letter (or equivalent in Canada) with an explanation of the situation.  Inform them in this letter that you consider their harassment of you a violation of your personal rights.  If they do not stop, then I would first complain to the appropriate government agency.  If they do not help you, then I would retain an attorney.   A couple of years ago, I had a similar situation in which someone had the same name as I.  I could not get them to stop calling me. The crazy thing, it was over $19.95.  I put it stop to it by doing two things.  The called me from an "800" number.  So, I started calling them back and tying their personnel up on the phone ten or more times a day.  When they would call me, I would blow a whistle into the phone.  When they call people all day long, they wear a earpiece that fits into their ear.  The shrill whistle sound goes through them like a hot knife through butter.  They stopped the calls immediately.  Good luck with your problem!