Sears Credit calls me every 3 days about my bill that I can't pay.  What's the best  way to get them to stop?
336836
first they can not contact you this often unless you encourage them by promising payments that you do not make.  the best way to get them to stop is to contact a supervisor and calmly discuss what can be done. Or you can actually send them a payment or if you ignore them for 7 years you do not have to pay it. The most responsible thing to do is to contact one of the credit companies that will help with this, you can even ask sears to provide a contact they will handle it from there.  next time, stop buying when you can not pay, the rest of us do not want ot pay your bills.
732562
you are right on track.this one is a slam dunk.though you are doing every thing right you need to contact your attorney generals office because she is adopting unfair and illegal business practices.this PERSON IS HAVING SERIOUS FINANCIAL PROBLEMS AND IS TRYING TO TAKE IT OUT ON YOU,You sound like you have enough fight in you.go get her.If I were you I would start by sending her a certified letter indicating intent to file charges against her for double dipping,and to file a $5000 dollar small claim against her for attempt to defraud.if she goes ahead with her claim to send your "bill"to a collections agency she is only giving you additional ammunition for your claims.If this thing appears on your credit you can get it removed by showing that this is an attempt to at distortion.It will also give you the additional info.you need for a successful claim.
856209
YES!  And sorry to say, but you probably won't get your issue resolved.  They are always right and you are always wrong.  That's will all of the bill people you have to call.  Good luck to you!
76846
Call your credit card company.
448429
If it's was over thirty days there is nothing they will do, and the "I never got the bill" never works because it is the most commonly used excuse. I would call back and request to speak to the shift manager or floor supervisor and tell them how upset you are with the service received by their employee, state the entire situation (facts only, without emotion or hysterics.) ask them to review your file and show where you've never been late and ask if they will kindly remove the charge as a one time service. Understand they keep records and you may only be able to try this once. make sure they know you are upset with the previous CSR and will make your disatisfaction known to a higher supervisor.
133448
They can call you as many times a day as possible to reach you.  They are only allowed to have *contact* (which means, leaving a message or speaking directly to you) with you 3 times per week, between the hours of *8am and 9pm* - NOT JUST BUSINESS HOURS -, unless you have requested them to call you back at a specific point.  If you have more than one debt, you probably have more than on collection agency calling you, which always makes it look like you are getting tons of calls from one company because their #'s come up as private or unknown.  If the calls become harassing in nature, as in threatening to call neighbors, relatives or with police involvement, then you should contact an attorney.  Remember, nothing they say is really any good unless you get them on tape & if you are recording them, in most states you have to tell them you are taping them.  You can also send them a cease and desist letter, which tells them to cease all communications by phone.  Also remember that these letters do not follow the account, you have to write a new letter if the account is transfered out of that particular office.  If you take care of your debts, you wouldn't have to worry about the annoying and sometimes harassing phone calls.  Most of the time if you just pick up and explain your situation to them, they can help you out.  Hope this is helpful for you.\n\nSee FDCPA (fair debt collections and practices act) (some states have stricter laws, like texas, south carolina, west virgina...  check out state laws too, because if the states' law is stricter than the fdcpa, then the state law supercedes the fdcpa)\nHarassment is not defined in the act, so if you feel harassed then you should speak to an attorney, but keep in mind the above...  if you can't prove it, it didn't happen.  You must submit the cease and desist in writing, you telling them to not call you anymore is a waste of breath.
433829
Once you tell a bill collector to stop calling you they must you on a "Do-Not-Call" list. If they continue to call you just call the BBB (Better Business Bureau) and they should be able to help you out. Yeah I know I used to be a telemarketer.
249714
call sams or costco, and american express might help
1029812
Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going .....good luck my friend.... your imagination is thier worst enemy...... Peace
729759
If they haven't stopped in the next 3 weeks, I would check to make sure you are on the list. In the mean time, simply hang up. You are not being rude.
644911
The advice to call the FTC, or your Representative or Senator....please don't waste your time.  What a crappy bit of advice!\n\nNot sure what the insurance company is doing, start by calling them and get info.\n\nBut you did say you have proof the bill was paid, so lets go along that angle.  Paul M is correct, you simply need to read the Fair Debt Collections Act and the Fair Credit Reporting Act.\n\nFollow my instructions....I've played this game before and it will work for you.\n\nSend a "demand to validate" letter to the collection agency.  Use the sample letter below.  By law, they have 30 days to send you proof that you owe this debt.  That includes contracts, bills, receipts, and everything used to calculate what they claim you owe.  Also include a cease and desist notation in the letter so they stop calling you and bothering you.\n\nSend a letter detailing your dispute to the credit reporting agencies that are listing this debt.  By law, they must investigate this.\n\nIf the collection agent does not validate this debt, send a copy of the VOD to the credit agency, along with another demand to remove the listing.  \n\nIf they still do not remove this listing, you have an excellent small claims suit against both of them for listing unvalidated debts on your credit report.  You can sue them for $1000 each, and you WILL win.  I've done it, it works!\n\nContact me if you need any help or advice.
1052524
This will def help you out! \n\n"Getting Bill Collectors Off Your Back \n\nHere's how to get bill collectors to stop harassing you!\n\nAre you in debt—and avoiding ringing phones, ignoring your mail and only hesitatingly opening the door—all to steer clear of the dreaded bill collector? \n\nNo one likes dealing with these people. But the good news is that the law forbids repeated harassment by bill collectors—and gives you the right to sue for violations. If you complain loudly enough—and you've got proof backing you up—you have a chance to get the entire debt canceled. \n\nThere are two types of bill collectors. (No, not nasty and even nastier.) Some bill collectors work for the original creditor, the business or person who first extended you credit or loaned you money. Others work for a collection agency, a company hired by an original creditor to collect its debt. \n\nThe difference is important. You have much greater legal protection against harassment by debt collectors who work for collection agencies, because they are governed by a federal law called the Fair Debt Collection Practices Act, or FDCPA. \n\nTell Them to Stop\n\nFew consumers know that under the FDCPA, you have the right to tell a collection agency employee to bug off. Simply send a letter stating that you want the collection agency to cease all communications with you. All agency employees are then prohibited from contacting you, except to tell you that collection efforts have ended or that the collection agency or original creditor may sue you. \nDebt collectors, however, are notorious for breaking the law—contacting people who have sent a cease-contact letter, or violating other provisions of the FDCPA. \n\nDocument Illegal Behavior\n\nTo get results, you need proof of the illegal behavior. If phone calls from someone from a collection agency violate the law, try to tape the next harassing phone call you get. In most states, you can tape a conversation without telling the other party, as long as you are a party to the conversation. That's because the law allows you to record any conversation in which at least one party consents to the taping, and you can be the one who consents. \n\nIn a dozen states (listed below), however, it's illegal to record a conversation, unless you get the permission of the person to whom you are speaking, or at least warn the person that the conversation may be recorded. \n\nDon't record a conversation without the debt collector's knowledge in: \nCalifornia \nConnecticut \nDelaware \nFlorida \nIllinois \nMaryland \nMassachusetts \nMichigan \nMontana \nNew Hampshire \nPennsylvania \nWashington \n\nIf you can't tape the conversation, try to get a witness. Have the witness listen on a phone extension while you and the collector talk. Try to get the collector to repeat the earlier illegal statements. \n\nIt's illegal for bill collectors to: \n\nContact third parties, other than an attorney or a credit bureau, except to locate you \nCall you repeatedly or contact you before 8 a.m. or after 9 p.m. \n\nContact you at work if your employer prohibits it \nUse or threaten to use violence \nUse obscene or profane language \nPlace telephone calls to you without identifying themselves as bill collectors \nClaim you owe more than you do \nClaim to be attorneys \nClaim that you'll be imprisoned or your property will be seized \nSend you a paper that resembles a legal document \nAdd unauthorized interest, fees or charges \n\nFile a Complaint\n\nOnce you have the conversation taped or witnessed, you can make an official complaint. The federal agency that oversees collection agencies will send you a complaint form if you ask, or you can simply write a letter. Contact the Federal Trade Commission at 6th and Pennsylvania Ave. NW, Washington, DC 20580. Include the collection agency's name and address, the name of the collector, the dates and times of the conversations, and the names of any wit
927094
Tell them their credit rating will be affected by not paying their bill.
414252
The previous answer is untrue. \nAs per the Fair Debt Collection Practices Act, if you TELL them to cease and desist from calling you, it is usually sufficient. If not, you'll need to put your request in writing, and you're well within your rights to do so. If you owe them money, that's one thing, but they don't have a right to call and harass you. Continued calling after you've advised them to stop constitutes harassment.\nIf you still have problems, even after putting your request in writing, contact the FTC.\nI pray that your financial situation improves, too. :)
750204
OK, a couple of things you should do:\n\nFirst, next time they call, tell them explicitly NOT TO CALL YOU AGAIN.  By law if you tell them that, they cannot call you any more, they can only deal with you through the mail.  In writing there can be no he-said-she-said.\n\nSecond, forget the collection agency.  You are under no obligation whatsoever to pay them ANYTHING.  Call the company you have the original debt with, and set up repayment with them.  IGNORE the collection agency.  If they call, hang up on them.  I repeat:  you are under no obligation of any kind to pay them anything, your debt is with the company you owe, NOT the collection agency.  Deal only with the company you owe the debt to.\n\nFinally, find out where the collection agency is located, and report them to the local better business bureau and local Federal Trade Commission office.  In writing.\n\nThen pay your debt off *with the company you owe it to* and be done with it.
225326
You can dispute it through all three credit bureaus and also contact the bankruptcy trustee and let them know. They can help you also.
79400
Call the credit card company for advice.