How to deal with creditor's harassing phone calls?
Several months ago I became unemployed, and as a result I became 2 payments behind to an original creditor. Since then my life has been miserable.
I took a new job which is night shift, so I work nights and sleep days. The original creditor uses an automated system which plays a recording to call my cell phone 2-3 times per week, which wakes me up each time.
I've requested on 3 different occasions to not call me during my sleeping hours. My requests were denied.
I've explained to them I'm a single dad and my kids are in school during the day, so turning off the phone is not an option. I"ve also explained I have 2 elderly parents, both in poor health, so the phone must stay on in case of an emergency. I was told that, until my payments were caught up, they could legally call me any time between 8am and 9pm, and if I was awakened by their calls, it was basically just my tough luck.
In February I was advised to send a cease and desist letter via certified mail to put a stop to the calls. I did this, but still receive calls 2-3 times per week from their automated messaging system.
The original creditor's home office in in CA, but I received services in NV. I sent the cease and desist letter to the CA office, and send all my payments to the CA office, as well.
I've spoken to several attorneys in NV about what to do about this, but so far I've been offered no real solutions. (FDCPA is not an option with an original creditor.)
What can I do to put a stop to these harassing phone calls?
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