Alliance One Collection agent is very demeaning and harrassing. He talks to me like I'm an idiot. ripoff Exton Pennsylvania

Stacy, IMMEDIATELY get a good whistle and blow it in their ear when they call. It will blast that headset right off the ears of that crackhead calling you.

Now, send a CEASE COMMUNICATIONS request by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. Now, when they violate you sue them under FDCPA. DO NOT sign the letter, just print. Specify that there may be no more phone calls made and all communications must be only in writing.

NEVER call, or speak to ANY collector on the phone. NEVER

A first party collector MUST be employed by the creditor to be considered a first party collector and be exempt from the FDCPA requirements. I have fought this battle.

Also keep in mind that each state also has laws that govern collections activities, and no state allows repetitive calls or harrassment.

Based on your post, you only said the account was delinquent? Do you know if the account has charged off? IF the account has not charged off, the treatment you have received has not broken the law. The FDCPA does bar such treatment but the FDCPA only applies to 3rd party collectors. If Alliance one is collecting for the credit card company, they are first party collectors. That being said, calling 15-20 times in a row is excessive.