National Action Financial Services - NAFS William Clifford, Mr. Flennigan Harassing phone calls eventhough I do informed them that the debt is not mine. I am almost 80 yrs old. Williamsville, , New York

How to stop collection agency harassment for a debt that is not yours:

Youre going to have to find out the name and address of the collection agencies(s) that are calling you. Send the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:

Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This is not my debt. Receipt of this letter is officially being time stamped via Certified Mail. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations
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To speed things up, fax this same letter to the collection agency.
Next time they call, read the following statement:

Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.