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Shortly after having a landline installed I started receiving calls from this company trying to locate someone, whom I didn't know. I had repeatedly asked them to stop calling as I don't know that person.

They keep asking "why would she give this as a contact #? How the F should I know and please quit calling me. 19 calls later they still won't stop. I spoke with this *** Nicole today and she said tough, I'll continue to call for another year, how do you like that?

I said this was harassment and please stop calling. THEY REALLY SUCK!!

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Dallas, Texas, United States #655621


I would rather you teach the woman an expensive lesson. She violated FDCPA by calling you after you told her not to. If you can prove that in a small claims court the miscreant will pay you $1000. You want to make it an expensive lesson engage an attorney that's another $3000+/- they have to pay.

Basically your name might match that of someone they are looking for so they call everyone in the country with those names. They count on you not knowing your rights per federal laws.

Be ready for the next call it could be a windfall for your. Have a ready a recorder, camera, pen & paper. When they call again be calm and record the call, photo your call ID then detail who called, when, what said, everything! That's what judges want to see.

Then tell them verbally to cease and desist calling you per federal law TPCA, etc. If they violate that you are due about $1000.

Consumer attorneys will take a case on a contingency basis especially if you have collected slam dunk evidence. It's an $3k that's dropping on their desk that covered by the misbehaving defendants. For a Dave Ramsey endorsed attorney go to (or just search at

You can also sue pro se it's a simple process and you can get all the help at


Debt collectors push you around if they sniff you don't know their game or more aptly your legal rights. So before you engage them to make any arrangement Google these and become an informed consumer, it will save you potential trouble in the future.

1-what to do when you are contacted by a collections agency.

2-your rights under federal laws FDCPA and FCRA

3-Validation of debt (VOD), cease and desist (C&D), CMRRR

4-Your state's Statute of Limitations (SOL) on debt.

5-post your questions at debtorboards dot com if things get thick

6-Settlement Offer Letter - very important don't pay anything without it.

-If your state's SOL is expired the debt is noncollectable, period! That's why you

-Never ever accept/agree/acknowledge you owe/own a debt. Per Federal law first demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the call)

-VOD must be the original document with your signature on it, not a letterhead stating some amounts owed.

-NEVER EVER confirm your your personal info. Tell them to mail whatever to the address on file.

-if you legitimately owe a debt don't pay anything without a settlement offer letter.

-mail checks with tracking No. or signature required, no electronic access to your bank ac. you will be cleaned out. Keep records for life.


-Send a C&D by CMRRR stating when, frequency and how they will contact you.

-If you talk to a CA ALWAYS write down immediately, who called, where from, said what, why, when, what, i.e. everything. This is acceptable evidence in court.

-If CA violate your rights each infraction is worth $1000 to you. Thus, use CMRRR and/or record all calls ->evidence is $$$ for you. No lawyer?, sue pro se, see #5 above

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