Remember,, you are NOT the "customer", they need to satisfy THEIR client, who they are collecting for.
They can call & or leave messages on your answering machine between 8AM and 9PM local time ,, i fact you may WANT to tape them
You can state they CAN'T call during certain times or tell them to CEASE CALLING your number, if they want it in writing then send it in writing,
& after you tell them to do so, they are allowed to call you one more time only to tell you that all communications will be stopped and optionaly that
the company will sue you or sell the account to ANOTHER collections agency. who may then call you again ,
A collector cannot discuss your debt with third parties at all ,and must "conferm YOU" so as to not break this rule ,
even thou they can leave their name and number on your employer's or a relative's answering machine , they cannot leave messages regarding your debt
a collection agency may have & conferm only the following information about you ; Your Name, address, Date of birth, & Social Security number (last 4 ? )
so they may discuss ; Name and address of the one claiming the debt, Account number, Payment history and payment schedualing
When its not your debt
If a collector calls your cell phone , remind them that it may be a recycled cell number and POLITELY refuse to give ANY info
ask them to send "bills" via usps to the "last known address", tell them you will only talk to them if they tell you enough of their company info so later you can
confirm wheather you have a debt & they are an agency that is to collect it, and specify a day/time for them to call back when you have this part done,, OR
Next send them a certified letter asking that they send you copies of documented proof that you owe the debt. and get a lawyer/legal aid!
When you have a debt
You should get all agreements in writing that says all terms and conditions and is signed & dated by both parties to protect yourself if you're sued.
Pay them only what you can afford each month even if they keep sending it back , it's proof to a judge that you've been trying pay
Your employer will not garnish your wages until he receives an official document from the court ordering him to do so
Fair Debt Collection Practices Act applies only to collection attorneys and professional debt collection companies
but major credit card companies follow policies that closely mirror those of the FDCPA . Check with equifax, transunion, experian
ER Solutions "A CRI Company" ,& Convergent Resources, Inc
I found online complaints with all their contact information, stating
that mentioning the Attorney General, FCC, FTC, BBB, and anyone else regulatory will cause them to hung up.