Redline Recovery Harrasing Rude calls Buffalo New York

If you have a hold button on your phone and a speaker phone heres what you do
When the phone rings press the speaker button , Do not say anything then press the hold button.

Buy a cheap answering machine. That way, they are calling and amassing long distance charges, and never reaching anyone. Eventually they will tire of calling your number(s). Those agencies with auto-dialing capabilities will remove your number from their system after several attempts with no answer, or after only getting automated responses.

If the calls are completely out of control, you can always change your phone number(s).

You are never obligated to deal with a debt collector. You do not have to listen to a thing they have to say. You are free to immediately hang up on them.

When dealing with debt collectors;

1.) Never make ANY deals to settle a debt over the phone. NEVER under any circumstance, give a collector access to any of your credit card, debit card, or checking account numbers, or agree to do ANY automated transactions over the phone. Do not offer them any personal information whatsoever, such as your Social Security Number, or where you are currently employed. And never assume that terms agreed upon in oral conversations over the phone will be honored by the original creditor.

2.) Only pay after you have received IN WRITING from both the collector and the original lender, a letter of intent stating that the debt will be considered paid in full, if you pay a settlement amount for less than what you owed at the time of default. If you don't have this in writing, and you have no assurance from the original lender at the same time that the terms are also approved by them, the deal is worthless, and you could still owe any unpaid balances to the original creditor.

3.) Always demand in those letters of intent, a statement that your credit report will be amended to reflect that the debt was paid in full, within 30 days of the agreed upon payment amount(s) being submitted.

4.) If you have no desire to deal with a debt collector, you can stop a debt collector from contacting you by writing a letter to the collector, demanding them to immediately stop all contact. If they are contacting you in error, include that in your letter. If your employer wants all calls stopped to you while you are at work, include that in your letter. If your intention is to only deal with the original creditor, include that as well. Send it to the collection agency by certified mail, return receipt requested.

5.) Some collection agencies think they are clever by refusing to sign for envelopes when they are sent certified because they assume they are likely demand notifications to discontinue contact, and the easiest way to stick it to them and to make them squeal like a pig is to write in big letters somewhere on the envelope where it can easily be read (make sure that it is also not obscured by the post office), the words..."PAYMENT IN FULL." Collectors can't resist signing for it if you do that. Imagine their face when they open it. That's payback enough for the harassment, and they are duly and legally notified to leave you the heck alone.

6.) Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action against you.

7.) If calls to you continue after the collector has been notified to stop, you can file a complaint online at the Federal Trade Commission website. You may not get a response to an individual complaint, but if they receive repeated complaints, the FTC often will go after them. You also have the right to sue in court, debt collectors that violate the law.

You can Google the FTC and read all about your legal rights when dealing with debt collectors, and the specific laws that apply to debt collection.

Buy a cheap answering machine. That way, they are calling and amassing long distance charges, and never reaching anyone. Eventually they will tire of calling your number(s). Those agencies with auto-dialing capabilities will remove your number from their system after several attempts with no answer, or after only getting automated responses.

If the calls are completely out of control, you can always change your phone number(s).

You are never obligated to deal with a debt collector. You do not have to listen to a thing they have to say. You are free to immediately hang up on them.

When dealing with debt collectors;

1.) Never make ANY deals to settle a debt over the phone. NEVER under any circumstance, give a collector access to any of your credit card, debit card, or checking account numbers, or agree to do ANY automated transactions over the phone. Do not offer them any personal information whatsoever, such as your Social Security Number, or where you are currently employed. And never assume that terms agreed upon in oral conversations over the phone will be honored by the original creditor.

2.) Only pay after you have received IN WRITING from both the collector and the original lender, a letter of intent stating that the debt will be considered paid in full, if you pay a settlement amount for less than what you owed at the time of default. If you don't have this in writing, and you have no assurance from the original lender at the same time that the terms are also approved by them, the deal is worthless, and you could still owe any unpaid balances to the original creditor.

3.) Always demand in those letters of intent, a statement that your credit report will be amended to reflect that the debt was paid in full, within 30 days of the agreed upon payment amount(s) being submitted.

4.) If you have no desire to deal with a debt collector, you can stop a debt collector from contacting you by writing a letter to the collector, demanding them to immediately stop all contact. If they are contacting you in error, include that in your letter. If your employer wants all calls stopped to you while you are at work, include that in your letter. If your intention is to only deal with the original creditor, include that as well. Send it to the collection agency by certified mail, return receipt requested.

5.) Some collection agencies think they are clever by refusing to sign for envelopes when they are sent certified because they assume they are likely demand notifications to discontinue contact, and the easiest way to stick it to them and to make them squeal like a pig is to write in big letters somewhere on the envelope where it can easily be read (make sure that it is also not obscured by the post office), the words..."PAYMENT IN FULL." Collectors can't resist signing for it if you do that. Imagine their face when they open it. That's payback enough for the harassment, and they are duly and legally notified to leave you the heck alone.

6.) Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action against you.

7.) If calls to you continue after the collector has been notified to stop, you can file a complaint online at the Federal Trade Commission website. You may not get a response to an individual complaint, but if they receive repeated complaints, the FTC often will go after them. You also have the right to sue in court, debt collectors that violate the law.

You can Google the FTC and read all about your legal rights when dealing with debt collectors, and the specific laws that apply to debt collection.

Buy a cheap answering machine. That way, they are calling and amassing long distance charges, and never reaching anyone. Eventually they will tire of calling your number(s). Those agencies with auto-dialing capabilities will remove your number from their system after several attempts with no answer, or after only getting automated responses.

If the calls are completely out of control, you can always change your phone number(s).

You are never obligated to deal with a debt collector. You do not have to listen to a thing they have to say. You are free to immediately hang up on them.

When dealing with debt collectors;

1.) Never make ANY deals to settle a debt over the phone. NEVER under any circumstance, give a collector access to any of your credit card, debit card, or checking account numbers, or agree to do ANY automated transactions over the phone. Do not offer them any personal information whatsoever, such as your Social Security Number, or where you are currently employed. And never assume that terms agreed upon in oral conversations over the phone will be honored by the original creditor.

2.) Only pay after you have received IN WRITING from both the collector and the original lender, a letter of intent stating that the debt will be considered paid in full, if you pay a settlement amount for less than what you owed at the time of default. If you don't have this in writing, and you have no assurance from the original lender at the same time that the terms are also approved by them, the deal is worthless, and you could still owe any unpaid balances to the original creditor.

3.) Always demand in those letters of intent, a statement that your credit report will be amended to reflect that the debt was paid in full, within 30 days of the agreed upon payment amount(s) being submitted.

4.) If you have no desire to deal with a debt collector, you can stop a debt collector from contacting you by writing a letter to the collector, demanding them to immediately stop all contact. If they are contacting you in error, include that in your letter. If your employer wants all calls stopped to you while you are at work, include that in your letter. If your intention is to only deal with the original creditor, include that as well. Send it to the collection agency by certified mail, return receipt requested.

5.) Some collection agencies think they are clever by refusing to sign for envelopes when they are sent certified because they assume they are likely demand notifications to discontinue contact, and the easiest way to stick it to them and to make them squeal like a pig is to write in big letters somewhere on the envelope where it can easily be read (make sure that it is also not obscured by the post office), the words..."PAYMENT IN FULL." Collectors can't resist signing for it if you do that. Imagine their face when they open it. That's payback enough for the harassment, and they are duly and legally notified to leave you the heck alone.

6.) Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action against you.

7.) If calls to you continue after the collector has been notified to stop, you can file a complaint online at the Federal Trade Commission website. You may not get a response to an individual complaint, but if they receive repeated complaints, the FTC often will go after them. You also have the right to sue in court, debt collectors that violate the law.

You can Google the FTC and read all about your legal rights when dealing with debt collectors, and the specific laws that apply to debt collection.

Buy a cheap answering machine. That way, they are calling and amassing long distance charges, and never reaching anyone. Eventually they will tire of calling your number(s). Those agencies with auto-dialing capabilities will remove your number from their system after several attempts with no answer, or after only getting automated responses.

If the calls are completely out of control, you can always change your phone number(s).

You are never obligated to deal with a debt collector. You do not have to listen to a thing they have to say. You are free to immediately hang up on them.

When dealing with debt collectors;

1.) Never make ANY deals to settle a debt over the phone. NEVER under any circumstance, give a collector access to any of your credit card, debit card, or checking account numbers, or agree to do ANY automated transactions over the phone. Do not offer them any personal information whatsoever, such as your Social Security Number, or where you are currently employed. And never assume that terms agreed upon in oral conversations over the phone will be honored by the original creditor.

2.) Only pay after you have received IN WRITING from both the collector and the original lender, a letter of intent stating that the debt will be considered paid in full, if you pay a settlement amount for less than what you owed at the time of default. If you don't have this in writing, and you have no assurance from the original lender at the same time that the terms are also approved by them, the deal is worthless, and you could still owe any unpaid balances to the original creditor.

3.) Always demand in those letters of intent, a statement that your credit report will be amended to reflect that the debt was paid in full, within 30 days of the agreed upon payment amount(s) being submitted.

4.) If you have no desire to deal with a debt collector, you can stop a debt collector from contacting you by writing a letter to the collector, demanding them to immediately stop all contact. If they are contacting you in error, include that in your letter. If your employer wants all calls stopped to you while you are at work, include that in your letter. If your intention is to only deal with the original creditor, include that as well. Send it to the collection agency by certified mail, return receipt requested.

5.) Some collection agencies think they are clever by refusing to sign for envelopes when they are sent certified because they assume they are likely demand notifications to discontinue contact, and the easiest way to stick it to them and to make them squeal like a pig is to write in big letters somewhere on the envelope where it can easily be read (make sure that it is also not obscured by the post office), the words..."PAYMENT IN FULL." Collectors can't resist signing for it if you do that. Imagine their face when they open it. That's payback enough for the harassment, and they are duly and legally notified to leave you the heck alone.

6.) Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action against you.

7.) If calls to you continue after the collector has been notified to stop, you can file a complaint online at the Federal Trade Commission website. You may not get a response to an individual complaint, but if they receive repeated complaints, the FTC often will go after them. You also have the right to sue in court, debt collectors that violate the law.

You can Google the FTC and read all about your legal rights when dealing with debt collectors, and the specific laws that apply to debt collection.