To get debt collectors to stop calling simple state that this call is being recorded, and they are not authorize to use this number and information can be sent by mail. If this information is for me you should have the address do not offer it. then HANG UP

It's Trishy from Jamaica looking for a sponsor for her annual summer fling in USA

JUST FILE A COMPLAINT TO HELP F.T.C., INVESTIGATE THIS UNSCRUPULOUS ( SCUM OF THE EARTH ) COLLECTORS, AS HARASSMENT BY REPEATED TELEPHONE CALLS IS BREAKING
FEDERAL LAWS, GO TO THE WEBSITE:  www.ftc.gov  OR CALL  1-877-382-4357.  DO NOT LET
THIS SCUM INTIMIDATE YOU.

I am receiving phone calls to my home phone from the above mentioned number 7 days week 1-4 times a day. When I answer 5-10 seconds of dead air then it disconnects, or I pick up and hang up , immediately after they call back, or if not home or don't answer no voicemail, and finally if I call them no answer just rings continuously.

716 564-4370 calls ever day for the last four months.  Sometimes twice a day right after the first call.
Caller ID shows the number and now shows First Choice Ad.....and then 716 564....

Credit collection agency does not leave message and hangs up if you answer.

i just called and they asked if this was (myname) i said no they said sorry for the inconveinince =D yay!

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection

Best be sure you can't be held liable due to a community property state law. Else you can follow the same advice I passed to Heather before you.

You can keep on whacking moles or you can dump the problem on FSA's door. My long form advice for "not me" cases is found here:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

Uuhh, what "10 day cease and desist"? Nothing like that is available to a person under federal law. Moreover, a debt validation request and a full-on cease-communication notice are mutually exclusive! Either you want to allow contact or you don't.

Now to review your real options when FSA calls:

- If any third party collection agency says you owe something, be sure to respond on real paper to its federally required dunning letter with a dispute and validation request. Given the industry's documented need to break laws to get at your assets, you should dispute even if you agree slightly with the debt claim. The agency can't make a peep regarding the debt account until that request is satisfied.

- You also have control of when, where, and how you are contacted. Your dispute notice may add a request to limit phone calls to certain hours, days and/or numbers. You can declare ''all calls are inconvenient''. The agency legally *must* obey. Be certain one ''convenient'' channel is open, such as a postal address, else the agency or creditor will be pressured to sue you to collect.

- If the account cannot legally be collected, or it's simply not you the agency wants, you're free to send a full ''cease-communication'' notice, cutting off all contact. Indicate which phone numbers and addresses are off-limits. You're not giving away anything the agency can't already know or find.

USPS Certified with return card is sufficient to obtain unassailable proof of receipt, which you will want if whatever your letter says is ignored. If that happens, sue the offender, then file complaints with the FTC and attorneys general. Don't just whine and wait for a rescue. You only get a year to seek relief on FDCPA claims.

If Debt Collectors they are probably looking for my Ex.

She has opened credit cards in my name before....

I've received many many calls from First Source Advantage for someone else who apparently used to live in the house we are renting, and I've told them that person does not live here & I do not know that person at all. I asked to be put on their do not call list & was told I would be, but that hasn't stopped the calls. I blocked the one number they called from earlier today 716-213-5187 and then a few minutes later I get a call from this number! SO annoying!

WTF!!!!

They call at least 10 times a day and hang up.

it was some company and the guy when i answered didn't speak english very well. and then said he would transfer me when i asked what this was regarding.

Please stop calling my cellular phone.

I do not answer phone number I don't know

Talk to your phone service provider or follow the information provided by you state attorney general or court system regarding debt collection, garnishment, etc.  A properly sent letter  by certified mail with return receipt I believe is what is necessary to make them stop calling.  They are calling about a debt either you owe or they have the wrong phone number.  In either case there are state and federal laws that protect you from harassment.  The initial quiet period is probably an automated phone system waiting to connect you to a real person.  You other option is to pay to change your phone number, but you might in this economy just wind up being called for someone else's debts.

Annoying calls

Report this information to you State Attorney General, not here.  Once they identify you as not the person they don't have the right to call you again, as long as you follow the legal procedure.  They even violate collection practices laws serious if they even tell you your son is in debt.  You otherwise collected the right information.

A really important point is that a court case force a person to pay for a debt twice, because the person or company she paid the debt back to DID NOT OWN the debt or have the authority to settle it for someone else, so if you can pay a debt, be certain you verify all aspects of the debt ownership first, starting with the company you owed in the first place.  You will no credit for the payments if you pay the wrong company.

Sometimes debt collectors actually purchase a group of debts.  At other times they are merely hired to annoy you into paying up and the debt is still owed to the original creditor.

Follow the direction you local court gives you and precomplete the petition for exempttions.  Also look up you state debt collector regulations.  a lot of people brand new to the business or simply ignorant don't adhere to the law, but going to court yourself can put them effectively out of business pretty quickly if they are undercaptitalized to deal with suits against them.  One woman advocate makes a steadly income by sueing debt collectors who break any part of the laws regulating their industry..

This is a clear misunderstanding.  No one can involuntarily collect any money from you without a 2 step process after you have been supenaed by a server.  The first step is to determine if you in fact have a debt.  If your the state judge agrees you do owe the money, even then no collection can take place until a judge in a separate proceeding determines how much you can afford.  The maximum is where I live and I think nationally is 25% of you after living expenses disposable income or 50% if you owe the federal government.  A federal banking regulation also prevents any claims on you bank account befpre you have in the account more than twice your monthly living expense.  Many thing are exempted and not counter at all, such as Social Security or welfare benefits.  My state exempts all pension income for example, not just Social Security as long as the IRS recognizes the account as a pension account or regular payments from a pension.  If you case is one of the small proportion of cases that even goes to court, be absolutely certain to apply for all of your exemptions in the time allowed.  If you don't think you can do it, hire and attorney for either advice or representation, but he or she will need this information since they can't read your mind. Attorneys only know what you tell them,but there are serious consequences for lying.

report callers who are harrassing you to first your phone company and then to you state's Attorney General.  Each state has it'c own licensing of collection agencies, and what you have described violates the national and state laws governing collection agencies.  You can also collect fines of in our state $500 per call in excess of the minimum permitted or directed by your written instruction.  The problem though may be in trying to collect the judgement.  The big debt collection firms know the law.a nd generally follow it, but anyone can apply to be a debt collector and they learn best through judgments against them.  $500 state fines or $1,000 federal fines can teach anyone.  If you do the taking to court, you keep the money yourself.

All you have to do is call Magic Jask's customer service if in fact the company does any call blocking.  Information like this is normally in the owners manual as well.

I doubt the no call list will do you any good.  Callers who have a relationship with you within the last year have the right to call you, as to politicians to my recollection. That of couse doesn't compell you to answer.  We have caller ID, which is also available on alternative phone services without extra charges, such as Google Voice and the various other non-traditional phone services like Vonage. I suggest you try what I just suggested to another person on or near this page.

The best choices are.

1) Use call blocking from you phone or cell phone carrier. I first did it with our phoneas alone by giving those silent ringers on one model and a message of silence on the other model. our income totally comes from exempt sources and

2) Don't answer any unfamiliar out of state calls. With a cell phone all you have to do is identify numbers important to you and they will appear by name.not unexpected out of state telephone numbers.

3) Don't answer private or unknown callers unless you are expecting a return call from a doctor on call to decide if you should go to the ER or an urgent care clinic. Some may be able to report to your caller id the business number of the clinic, which is okay, but you can't count on that unless you verify before an emergency.  Each group of doctors does their own thing.\to block.  I actually do the same thing with my cell phone. If you have a land line phone, this may cost you extra, but if you have a cell phone it may not.  If you have an android phone you can furthest is grouping calls. Unexpected and unwanted calls I check with http://800notes.com and only call back if the number comes up with nothing.

They appear as "First Source Adv." Calls every day, ever few hours. They keep asking for someone with an ethnic name.  Scammers.

This company keeps calling our office phone even though I am only the receptionist here.  The 716 no is from Buffalo, New York and these people are debt collectors.  I have learned to just let the phone ring as they call every day.

please remove this number from my magic jack number 954 501-2646