Alliance One And ALL Collection Agencies Harassed by all collection companies blindly searching for particular individuals call me when I do not owe any company money. I Don't Know I don't know

I love how uneducated collectors like Mr. Monopolyman come out of the woodwork and say that if a person uses a credit card and doesn't pay his or her bill, it is theft.

1) It is not illegal to default on a credit card bill. If not paying back a credit card is theft, then Mr. Monopolyman, come arrest me.

2) These collectors love to act high and mighty, but in reality, they are a bunch of drug addicts who didn't graduate high school, and probably pay child support.

3) Mr. Monopolyman is so stupid, he probably thinks buffalo wings come from actual buffaloes, not chickens.

4) If a collector calls you, do the following: tell them you're going to record the conversation (make sure it's legal in your state). Once you start recording the conversation, start saying racist but non-threatening things to them, and then tell them that you don't talk to people of a particular race. Collectors are paid to treat debtors like trash, so then as a debtor, I will treat a collector like trash.

In short, Monopolyman is the 3rd biggest idiot I've seen posting messages on this board. I agree that not paying your bills is unethical, but so what? This is America, the land of the debtors.

I am NOT a debt collector, and never have been, but I HAVE had extensive experience dealing with them, and have found the absolute BEST way to deal with them is NOT to deal with them at all if they are third party.

Get caller ID, and DON'T answer any calls from numbers you don't recognize. It's that simple. If these IDIOTS aren't smart enough to send me a bill, then they can go screw themselves. I don't even bother with a cease communication order, because these ---holes just call from different business names that you haven't sent a letter to.

I refuse to spend the money on the certified letter. I just don't answer the phone.

Monopolyman, you are a bottom feeder. Debt collection is a slimy business, and you know it. 'Nuff said. Don't bother trying to bait me with a response to this. I'm a "hit and run" poster. I say my peace in a thread, and never return to the thread to see what you've had to say. I don't care what you have to say. You make a living taking advantage of those less fortunate than you, and your opinion isn't worth a fly covered pile of you know what to me.

Steve, you are dead wrong about several suggestions you made. Most of your suggestions do nothing but aggravate and bait the collectors into employing even more harassing and devious tactics. The best policy is simple to NOT answer their calls.

AND YES THEY CAN FIND YOUR UNLISTED NUMBER, AND THEY DON'T EVEN NEED A PROGRAM TO DO IT! It can be done RIGHT ON THE INTERNET! All they need is your name and address (which they have from your original account information). I can't tell you here how it's done, only because I can't remember, but I HAVE DONE THIS MYSELF, AND I'M JUST A PRIVATE CITIZEN.

There are information services out there that CAN AND DO find unpublished numbers, and will give you the information for a pretty low price if that's all you want.

I've seen it and DONE IT. Unpublished numbers will NOT deter a tenacious debt collector. If you haven't heard from any since doing so, you are either lucky (so far), or you don't owe enough to make it worth their while.

By the way, I DO have some unpaid debts, this company IS trying to reach me and has been for over six months now. Guess what? NOTHING shows on my credit reports newer than four years old.

Take that and smoke it Monopolyman!

Yes, there ARE some bills I refuse to pay. I have my reasons, and my conscience is clean. None of them are affecting my reports.

If you KNOW THE RULES, you can WIN THE GAME.

SOME bills simply DO NOT HAVE TO BE PAID.

I am NOT a debt collector, and never have been, but I HAVE had extensive experience dealing with them, and have found the absolute BEST way to deal with them is NOT to deal with them at all if they are third party.

Get caller ID, and DON'T answer any calls from numbers you don't recognize. It's that simple. If these IDIOTS aren't smart enough to send me a bill, then they can go screw themselves. I don't even bother with a cease communication order, because these ---holes just call from different business names that you haven't sent a letter to.

I refuse to spend the money on the certified letter. I just don't answer the phone.

Monopolyman, you are a bottom feeder. Debt collection is a slimy business, and you know it. 'Nuff said. Don't bother trying to bait me with a response to this. I'm a "hit and run" poster. I say my peace in a thread, and never return to the thread to see what you've had to say. I don't care what you have to say. You make a living taking advantage of those less fortunate than you, and your opinion isn't worth a fly covered pile of you know what to me.

Steve, you are dead wrong about several suggestions you made. Most of your suggestions do nothing but aggravate and bait the collectors into employing even more harassing and devious tactics. The best policy is simple to NOT answer their calls.

AND YES THEY CAN FIND YOUR UNLISTED NUMBER, AND THEY DON'T EVEN NEED A PROGRAM TO DO IT! It can be done RIGHT ON THE INTERNET! All they need is your name and address (which they have from your original account information). I can't tell you here how it's done, only because I can't remember, but I HAVE DONE THIS MYSELF, AND I'M JUST A PRIVATE CITIZEN.

There are information services out there that CAN AND DO find unpublished numbers, and will give you the information for a pretty low price if that's all you want.

I've seen it and DONE IT. Unpublished numbers will NOT deter a tenacious debt collector. If you haven't heard from any since doing so, you are either lucky (so far), or you don't owe enough to make it worth their while.

By the way, I DO have some unpaid debts, this company IS trying to reach me and has been for over six months now. Guess what? NOTHING shows on my credit reports newer than four years old.

Take that and smoke it Monopolyman!

Yes, there ARE some bills I refuse to pay. I have my reasons, and my conscience is clean. None of them are affecting my reports.

If you KNOW THE RULES, you can WIN THE GAME.

SOME bills simply DO NOT HAVE TO BE PAID.

I am NOT a debt collector, and never have been, but I HAVE had extensive experience dealing with them, and have found the absolute BEST way to deal with them is NOT to deal with them at all if they are third party.

Get caller ID, and DON'T answer any calls from numbers you don't recognize. It's that simple. If these IDIOTS aren't smart enough to send me a bill, then they can go screw themselves. I don't even bother with a cease communication order, because these ---holes just call from different business names that you haven't sent a letter to.

I refuse to spend the money on the certified letter. I just don't answer the phone.

Monopolyman, you are a bottom feeder. Debt collection is a slimy business, and you know it. 'Nuff said. Don't bother trying to bait me with a response to this. I'm a "hit and run" poster. I say my peace in a thread, and never return to the thread to see what you've had to say. I don't care what you have to say. You make a living taking advantage of those less fortunate than you, and your opinion isn't worth a fly covered pile of you know what to me.

Steve, you are dead wrong about several suggestions you made. Most of your suggestions do nothing but aggravate and bait the collectors into employing even more harassing and devious tactics. The best policy is simple to NOT answer their calls.

AND YES THEY CAN FIND YOUR UNLISTED NUMBER, AND THEY DON'T EVEN NEED A PROGRAM TO DO IT! It can be done RIGHT ON THE INTERNET! All they need is your name and address (which they have from your original account information). I can't tell you here how it's done, only because I can't remember, but I HAVE DONE THIS MYSELF, AND I'M JUST A PRIVATE CITIZEN.

There are information services out there that CAN AND DO find unpublished numbers, and will give you the information for a pretty low price if that's all you want.

I've seen it and DONE IT. Unpublished numbers will NOT deter a tenacious debt collector. If you haven't heard from any since doing so, you are either lucky (so far), or you don't owe enough to make it worth their while.

By the way, I DO have some unpaid debts, this company IS trying to reach me and has been for over six months now. Guess what? NOTHING shows on my credit reports newer than four years old.

Take that and smoke it Monopolyman!

Yes, there ARE some bills I refuse to pay. I have my reasons, and my conscience is clean. None of them are affecting my reports.

If you KNOW THE RULES, you can WIN THE GAME.

SOME bills simply DO NOT HAVE TO BE PAID.

I am NOT a debt collector, and never have been, but I HAVE had extensive experience dealing with them, and have found the absolute BEST way to deal with them is NOT to deal with them at all if they are third party.

Get caller ID, and DON'T answer any calls from numbers you don't recognize. It's that simple. If these IDIOTS aren't smart enough to send me a bill, then they can go screw themselves. I don't even bother with a cease communication order, because these ---holes just call from different business names that you haven't sent a letter to.

I refuse to spend the money on the certified letter. I just don't answer the phone.

Monopolyman, you are a bottom feeder. Debt collection is a slimy business, and you know it. 'Nuff said. Don't bother trying to bait me with a response to this. I'm a "hit and run" poster. I say my peace in a thread, and never return to the thread to see what you've had to say. I don't care what you have to say. You make a living taking advantage of those less fortunate than you, and your opinion isn't worth a fly covered pile of you know what to me.

Steve, you are dead wrong about several suggestions you made. Most of your suggestions do nothing but aggravate and bait the collectors into employing even more harassing and devious tactics. The best policy is simple to NOT answer their calls.

AND YES THEY CAN FIND YOUR UNLISTED NUMBER, AND THEY DON'T EVEN NEED A PROGRAM TO DO IT! It can be done RIGHT ON THE INTERNET! All they need is your name and address (which they have from your original account information). I can't tell you here how it's done, only because I can't remember, but I HAVE DONE THIS MYSELF, AND I'M JUST A PRIVATE CITIZEN.

There are information services out there that CAN AND DO find unpublished numbers, and will give you the information for a pretty low price if that's all you want.

I've seen it and DONE IT. Unpublished numbers will NOT deter a tenacious debt collector. If you haven't heard from any since doing so, you are either lucky (so far), or you don't owe enough to make it worth their while.

By the way, I DO have some unpaid debts, this company IS trying to reach me and has been for over six months now. Guess what? NOTHING shows on my credit reports newer than four years old.

Take that and smoke it Monopolyman!

Yes, there ARE some bills I refuse to pay. I have my reasons, and my conscience is clean. None of them are affecting my reports.

If you KNOW THE RULES, you can WIN THE GAME.

SOME bills simply DO NOT HAVE TO BE PAID.

Don't sweat it. Debt Collections is an emotional issue for many folks. It get's funny sometimes to read the yammerings of these so called "employees" of debt collection agencies spewing forth their nonsense.

I would add two categories to your list... First, folks who have had dealings with collection agencies due to "clerical/administrative" error. Since I returned to the US in 1994, I have had 3 collection agencies contact me - none of these debts was mine. At the time, I assumed that it was a typo or some other clerical error. (I have since learned that it was most likely do to inaccurate or negligence while performing "skip tracing.") I was able to get these instances corrected, but only after much time and effort on my part. I was treated like scum until I threatened legal action in the certified, return receipt requested letters I sent. Then the apologies couldn't come fast enough! LOL!

Another category I am also familiar with is identity theft. In 2005, some dirtbags in NYC tried to hijack my VISA account. This instance was easily resolved, thanks to a very determined lady who worked for VISA MBNA. She stopped it dead in it's tracks and I had a new VISA account and the new card in my hand before 11 am the next morning.

I can appreciate that debt collectors hear the "it's not my debt" line all day long. However, when someone asks who owns the debt and how to contact the creditor (as I did) via mail, and the collector's only response is to pay it - that's when they cross the line and that's when consumers need to fight back.

Sorry Robert. So many comments. I'm was getting confused as to the few supporters of collection companies. Mainly, Monopolyman is an idiot. But let him continue to send comments. I doubt he has many friends or else he would be spending his time doing other things rather than incorrectly rebutting anyone's statements about the collection companies. I'm hanging up the comments. In short, some people probably make it a practice to run up bills that they never intend to pay. Collection companies will never get anywhere with these people.

Others, have had an unfortunate event in their life that they have little to no control over and I will sympathize with any of them that have unpaid bills due to that issue. Collection companies try to beat them into submission and I would take the actions others have noted to get them off their back and sue them when they step out of line once the proper steps have been taken. Finally, until these collection companies know who they are calling and quit searching for the correct people by bothering everyone I have nothing but disdain for the companies and anyone working for them. I think all of the suggestions given by other people in dealing with these companies if fair game.

Stopharrassingcollectioncompanies, my comment was for monopolyboy, not you.

That's why I quoted what he posted. He would like people to think that a credit report is the "gospel" as to whether a debt is valid or not, or collectible or not - it isn't.

I was defending your position and pointing out the misleading and/or false information monopolyboy had posted.

OK, "Monopolyman", time to show you just how much you don't know. You are an idiot. A genuine tool [like most debt collectors]. Here's why:

1. I never bragged about not paying my bills. Not once. However, I did brag about repeatedly defeating tools like you.

2. If I am a thief, PROSECUTE ME. Otherwise, until I am prosecuted, and convicted, I am not a thief. That is the law.

3. The whole section of your post where you inform me of fees, penalties, etc. is totally irrelevant as I said before, I never disputed any terms. And I never said anything about not getting a bill, etc. Stay on topic, and/or learn how to read.

4. FYI..I don't owe a bill any longer, as all of those debts are past SOL and are no longer legally collectable, therefore, UNDER THE LAW, those debts are no longer owed.

5. There is no reason to ever speak with a THIRD PARTY debt collector. NONE. There is nothing at all you can do to fix someon'es credit regarding the initial creditor. As a matter of fact, paying a third party debt collector on an old charged off debt will actually hurt the credit report of that person more than just letting it go.

And, I guess you think filing BK is ok, but just walking away is wrong? Am I right? There is no difference, and the end result is the same. The creditors don't get paid, but with a BK, you paid the government to be your thug and tell the creditors they are not getting paid. I just skipped this step.

Now, for your numbered statements:

{see below under each statement}

>>>

Monopolyman
Maplewood, Minnesota
U.S.A.

Steve
Once again, you brag about not paying your bills. It's funny, you blame your financial situation on 9-11, like you had no choice, but then you go and brag about how far in debt you were and how you haven't had to pay anything back.
Not something to be proud of. Furthermore, whether the intent to use your card and not pay it back was there, that is what you did. You are a thief. You bought stuff and didn't pay it back. And instead of paying it off, you wormed out of it. And now you sit here calling US lowlifes and scum?
perhaps you should look in the mirror before calling names, because, I pay my bills, and if I don't have money, I work something out, and if they don't want to work something suitable with me, I know enough to send payments anyway.
So yeah, sit there and brag about racking up debt and getting out of it. That's something to be proud of.
Furthermore, how is dodging debt collection going to help the fact that someone owes a bill and needs to pay it? Are you aware that credit card companys are well within their rights to charge interest, penalties and fees for non payment? And if you think saying 'I never got a letter' or anything like that is going to change anything? It doesn't. I would hope as a responsible adult you should know you owe money and take action to settle your debts instead of avoiding them, because trust me, burying your head in the sand won't make it go away, it makes it worse, unless you are like steve and make a living off of worming out of debt.
First of all, as for Steve saying speaking to 3rd party collectors never has positive results? Ask all the people who get their bills paid because I settle with them? Do you know how many people have thanked me for settling or offering payments when they are in a rough spot?

1. If you speak another language, we will just have someone who speaks that language call you.
[How would the crackhead on the phone know what language was being spoken? Most of your crackheads have a hard enough time with the English language! And, it makes no difference, I have stil wasted more of your time and money, and that is my goal.]

2. Laying the phone down and not comming back is stupid, just say you aren't going to pay your bill and hang up so we can send it back to our client as a refusal to pay. Its easier. [Because I don't talk to crackheads! haven't you gotten that yet, crackhead? Again, I wasted your time and money! My goal. And, that 'refusal to pay" thing makes no difference to me? Who cares? Not me.}

3. Blowing a whistle in the phone? How old are you? 3? 4? Grow up.
[The satisfaction of the mental picture of a crackhead with blood running out of his/her ears is fantastic. HUH, what did you say? Where is my crackpipe? I can't hear you!]. Thats why.

4. Go ahead and lie, we have ways of finding the truth, despite what you think.
[No, you don't. You are totally impotent. Again, lies just waste your time and cost you more money. Once again, my goal has been met]

5. Yes, tell us you have an attorney, then give us the fake number, but here is something you dont know. We aren't stupid, and if you are lying, we find out, and call you again. And we legally can because if you AREN'T represented by an attorney, and we have proof, which we get very easily, we can call you. So that one won't work.
[Then after you jump through these hoops, you get the CEASE COMMUNICATIONS request 150 pages every night on your fax to wipe out your paper and toner and fill your memory. Faxes are free, but certified mail is $5. I stick with free, remember I am a lowlife deadbeat, right?]

6. Getting an unlisted number doesnt do any good. We use a program that pulls all that info up. Unlisted numbers, actual addresses for people with P.O Boxes, all that. It even tells us if you have filed bankruptcy and own property. So go ahead and hide, we can still find you.
[No, you won't]. [I was invisible and you did not find me. Your agency had THREE of my debts, and you crackheads never made contact, and never collected a penny!]. [Just more crackhead delusions here.]

***[NO, CRACKHEAD, YOU CANNOT get my UNLISTED/UNPUBLISHED phone#. There is no program for this. All you do is a public records search and an internet search. If I haven't used that # anywhere you don't get it, GUARANTEED. Once again, the bottomfeeder/debt collector lies, and is caught. PS..I have done skip tracing. You are a tool, and just proved it!]

I would say that steve's record of avoiding debt does speak for itself. If you want to go home every night knowing that you in essence are a crook who doesnt pay bills intentionally, go ahead. If you want to give people who would rather settle with you or work out payment plans a hard time, simply for calling to work something out? Go ahead.
[Only FIRST party debt collectors can actually "help" a debtor. Once it is charged off and/or sold, there is no reason to pay it.


Now Michael, These 'greivances' that you speak of? You mean being ashamed of your debt and wanting to get out of it, so you try to get debt collectors in trouble so you don't have to pay? Must be rough.

Stopharrasing-That's great that you pay your bills. I was just suggesting that you look into it if you are getting calls. Believe it or not, people forget about bills once in a while and they pop up. You would be surprised how many people tell me they don't owe anyone, until i bring up more info, and then it clicks. I am by no means high and mighty. I just hate when a large group of people gets bashed because of a few F*** ups. Most debt collectors arent bad people. A lot of them have debt themselves, so know what it's like, and like myself, are very polite to my debtors, and i try to find ways to get bills paid off. We aren't the bottom feeding terrorists that steve makes you think we are. He obviously doesn't know what he is talking about when it comes to debt, so he spouts off like an ignorant a**.
[Debt collectors are bad people. They are ;owlife who need to find real jobs.]

Furthermore I've been on the recieving end, and I have had collection calls, and I used to be like that. Now i know better. I know that hiding accomplishes nothing, and I work hard to pay my debt, because I know I owe it and I don't run from it. Like steve.

[Hiding is fun! It aggravates crackheads, and stops them from getting more crack! No collection, no crack, right?]
>>>

Once again, you brag about not paying your bills. It's funny, you blame your financial situation on 9-11, like you had no choice, but then you go and brag about how far in debt you were and how you haven't had to pay anything back.
Not something to be proud of. Furthermore, whether the intent to use your card and not pay it back was there, that is what you did. You are a thief. You bought stuff and didn't pay it back. And instead of paying it off, you wormed out of it. And now you sit here calling US lowlifes and scum?
perhaps you should look in the mirror before calling names, because, I pay my bills, and if I don't have money, I work something out, and if they don't want to work something suitable with me, I know enough to send payments anyway.
So yeah, sit there and brag about racking up debt and getting out of it. That's something to be proud of.
Furthermore, how is dodging debt collection going to help the fact that someone owes a bill and needs to pay it? Are you aware that credit card companys are well within their rights to charge interest, penalties and fees for non payment? And if you think saying "I never got a letter" or anything like that is going to change anything? It doesn't. I would hope as a responsible adult you should know you owe money and take action to settle your debts instead of avoiding them, because trust me, burying your head in the sand won't make it go away, it makes it worse, unless you are like steve and make a living off of worming out of debt.
First of all, as for Steve saying speaking to 3rd party collectors never has positive results? Ask all the people who get their bills paid because I settle with them? Do you know how many people have thanked me for settling or offering payments when they are in a rough spot?

1. If you speak another language, we will just have someone who speaks that language call you.

2. Laying the phone down and not comming back is stupid, just say you aren't going to pay your bill and hang up so we can send it back to our client as a refusal to pay. Its easier.

3. Blowing a whistle in the phone? How old are you? 3? 4? Grow up.

4. Go ahead and lie, we have ways of finding the truth, despite what you think.

5. Yes, tell us you have an attorney, then give us the fake number, but here is something you dont know. We aren't stupid, and if you are lying, we find out, and call you again. And we legally can because if you AREN'T represented by an attorney, and we have proof, which we get very easily, we can call you. So that one won't work.

6. Getting an unlisted number doesnt do any good. We use a program that pulls all that info up. Unlisted numbers, actual addresses for people with P.O Boxes, all that. It even tells us if you have filed bankruptcy and own property. So go ahead and hide, we can still find you.

I would say that steve's record of avoiding debt does speak for itself. If you want to go home every night knowing that you in essence are a crook who doesnt pay bills intentionally, go ahead. If you want to give people who would rather settle with you or work out payment plans a hard time, simply for calling to work something out? Go ahead.


Now Michael, These "greivances" that you speak of? You mean being ashamed of your debt and wanting to get out of it, so you try to get debt collectors in trouble so you don't have to pay? Must be rough.

Stopharrasing-That's great that you pay your bills. I was just suggesting that you look into it if you are getting calls. Believe it or not, people forget about bills once in a while and they pop up. You would be surprised how many people tell me they don't owe anyone, until i bring up more info, and then it clicks. I am by no means high and mighty. I just hate when a large group of people gets bashed because of a few F*** ups. Most debt collectors arent bad people. A lot of them have debt themselves, so know what it's like, and like myself, are very polite to my debtors, and i try to find ways to get bills paid off. We aren't the bottom feeding terrorists that steve makes you think we are. He obviously doesn't know what he is talking about when it comes to debt, so he spouts off like an ignorant a**.

Furthermore I've been on the recieving end, and I have had collection calls, and I used to be like that. Now i know better. I know that hiding accomplishes nothing, and I work hard to pay my debt, because I know I owe it and I don't run from it. Like steve.

Robert, learn how to read. I DO check my credit often as I stated numerous time in comments earlier. Second, learn how to read. I NEVER said I know a great deal about the law. That was someone else. Go back to school.

""Maybe do a little research before you assume you don't owe anyone money. Try pulling your credit report.""

A credit report is just that, a report compiled by a private company. A credit report in no way serves to determine whether an alleged debt is valid or not, or collectible or not. That is what COURTS are for.

For someone who in another report claims to know the law ""very well,"" I would expect you to know that.

First of all, I don't owe a penny to anyone. That is something you just don't seem to understand. My credit standing is great. I have been gainfully employed for over 30 years, pay all of my bills when they are due and owe no one a penny. So don't get high and mighty about my need to check my credit standing. I know where I stand. I'm thankful that I have been able to continue to be employed by the same company for so long during the ups and downs of our economy.

I don't approve of those people who blantently live beyond their means, buy goods and services or vacations when they know they can not afford them and have no intention of paying for the credit they were granted. I fully agree with companies trying to get payment from them. I also know that most people who have ended up in a credit bind have either gone through a divorce, lost a job or have had a major medical event. I fully believe that they should also make every attempt to pay their bills by working with their creditors. However, these three events can be catastrophic to a household and I have every sympathy for these individuals because we can all be in this position at one time or another in our lives.

I used to answer these collection company phones calls. They were usually looking for someone whose name didn't even resemble my name. I would comply by giving my name and last four digits of my social security number. However, as the same type of phone calls continued by different companies or by the same company looking for someone else I grew tired of answering phone calls from these bottom feeding collection companies. Most of the time the callers were demanding and rude, two attributes that I will not allow.

So, mister "high and mighty" Monopolyman go ahead and preach your "high and mighty" sermon. You act ignorant of the fact that you know your companies are calling people blindly looking for the right person who DOES owe money. But, you know of the self righteous tactics used by your company. Deny it all you want. Write another rebuttal to this note, but it doesn't change your bottom feeding status.

I'm not bothered anymore by you guys. And ...... I hope that every one of these employees of these rude collection companies experiences one of the three major life altering experiences mentioned above and ends up on the receiving end of thee same collection companies. Let's put you first on the list. I can sleep at night. Can you?

Haha. Steve from Florida is correct! I wish to add a little more.

Collection agencies and credit extending institutions have a vested interest in keeping your credit hacked up. Lower scores mean you pay higher interest rates. And lending institutions pay credit bureaus a lot of money, you do not. So guess who is getting the shaft here? You and I of course! So getting a CRA (credit reporting agency) to actually do anything nice like removing old and false trade lines is next to impossible.

However, there is a website that I and a lot more use to take CRA's, junk debt buyers, collection agencies, etc etc to court and enforce our rights under Federal law. This website is debtorboards.com. There is no catch, no fees, etc etc. The information is free to use at your disposal. The people there have intimate knowledge of the law as it applies to collections and credit.

BudHibbs.com is also another great site that gives people information on collections agencies, attorneys, the BS they pull on us and how to deal with them.

Fight back! People who take their grievences against these parasites to court are having tremendous luck.

Ciao!

Every state has laws that govern debt collectors, as well as federal law which is the FDCPA. It doesn't matter whether you owe the debt or not. That is irrelevant. The FDCPA regulates the actions of debt collectors.

Under the FDCPA, you have the right to send a CEASE COMMUNICATION request. If they violate this legal request, you have the right to sue them. It is easy money.

Be sure to send this request by certified mail, return reciept requested. Also be sure to put the certified mail# on the letter itself and keep a copy of that letter for your records. This procedure is very important. Also, NEVER put your signature on anything you send a debt collector, as that signature is often transferred to other documents like contracts, etc.

If they refuse to tell you who they are, they are in violation of the FDCPA too. There is no requirement that you identify yourself to them in any way. They are calling you so the law assumes they already know who you are.

File a police report for each call and be specific as to the exact date and time of the offending call. Get this from your caller ID if you have it. If you don't have it, get it. Also be sure to have call waiting id as well.

Once you file a police report, your phone company can identify the caller to the police. With todays enhanced stalking laws, etc. it is very easy to criminally prosecute people that engage in telephone harassment.

NEVER call, or speak to any third party debt collector on the phone. It will never produce positive results for you. In almost every case it will make things worse.

However, if you really do want to have some fun with these morons, here are some suggestions.

1. If you are fluent in another language, speak only in that language.

2. Get them on the line, and then excuse yourself saying you will be right back. Lay the phone down and never come back.

3. Keep a police whistle by the phone. Blow it sharply into the ear of the offending crackhead as soon as he/she pisses you off. That should be within the first 3 seconds of the call.

4. Go ahead and "validate" your information to them. Give them the name of someone you really don't like, or a dead relative, etc. Make up a DOB, and last 4 of SS#.

5. Tell them you have an attorney retained. After this statement, they cannot legally contact you anymore. If they ask for a name, pull one out of the phone book!

6. Get an unlisted phone#.

7. Forward your mail to a private mailbox facility and sign the little card that DOES NOT allow them to sign certified, etc. Then take down anything with your name on it on your house or mailbox, or even take down your mailbox.

This should keep you busy having some fun with morons for awhile, but if you need more, just let me know. I have many more.

And, never listen to trolls like Monopolyman the bottomfeeder, as he has absolutely no idea what he is talking about. He is a tool. I have been destroying his kind for years. And, to date I have never paid 1 penny to any debt collector and do not have any judgements against me. I have been sued 3 times and prevailed each time on my own. I have put 2 collection agencies out of business and have had 1 collection attorney disbarred. I have been paid multiple times for FDCPA and FCRA violations.

I think my record speaks for itself.

While I am sure you enjoy thinking that you are "sticking it" to us collectors, you really arent. Chances are, if someone is calling you, especially so much that you feel the need to block the calls, You owe money.
Obviously you werent smart enough to follow the advice of the attorney you spoke with so here is a little insight.

If you dont think you owe money, we don't care. Either you pay it or you dont. It's really not our credit in jeapordy, it's yours. Sure mistakes happen, but 9 out of 10 times we are right about the debt.
Maybe do a little research before you assume you don't owe anyone money. Try pulling your credit report.
then again, I'm not the one who will one day end up getting garnished because I didn't know I owed a bill.