Harassing Debt Collectors Calling. What can I do?

[Nstevn]

A few months back I received a call from an attorney/debt collector. The man on the phone was extremely rude and when I asked for time to think about my financial situation, threatened that I only had a limited amount of time and was trying to push me to say that I refuse to pay my debt and stated that if I did that they would continue with legal action.

Worried that I may be taken to court, etc, etc. I finally got him to agree to give me a day or so to think.
He called me the next day. At the time my finances appeared like I would be able to stick to the payment agreement for six months time- and he told me there were no other options. Then once I agreed to pay this one bill for approx. an extra $200 a month for six months. He tells me that he has another bill in my name. So, he forced me into including that and then uping my payment to approx. $400 a month. Well, being the only full-time employed adult in my house with 2 young children and my husband lost his full time job over a year ago and is working for minimum wage no more than 24 hours a week at a local pharmacy- this has of course proven impossible. However, the collector wouldn't allow me to make any other arrangements except a 6 month payment agreement on a two $1200 debts and/or payment in full. I can barely make it month-to-month as is let alone an additional $200 or $400 bill.

Well, all of this aside. Today while at work my supervisor calls me into her office. Telling me that a man from a law firm called today stating that it was a personal matter and that she is my supervisor and that they haven't been able to contact me and that it is a personal matter. But, she told me this man has been calling our Human Resources department to track down my supervisor.

I feel that this is a complete violation of my rights. I know I owe the debt, but I can't pay something if I have nothing to pay it with. I don't think that it is right that the debt collector could call my job and decide to call my human resources dept to get a hold of my supervisor to have her tell me I need to call them.

I did make one payment, but then my husband did not get hours for a couple of weeks which meant I really was stretched above an beyond to meet the daily needs of rent, food, and utilities. Not to mention that my children started school today and I had to purchase school supplies and clothes for them.

I am tired of them harassing me and I have already told them when I have the money I plan to make payments, but I can't guarantee when that will be or how much. But, I am willing to work that out with them if I don't feel pressured. Or even at this stage I'd prefer a wage garnishment- because then I could set it for a very low amount and at least they would be getting paid each month.

Also, I do not want them calling my place of employment or speaking to my supervisor. That is a negative impression and makes me seem as if I am not a good employee if I can't handle my personal life. My personal life and my business life are seperate and I don't need a debt collector joining them in that way.

Can you help me in any way to stop these harassing phone calls?

[Credit Expert]

Yes, send this letter: http://www.expert-credit-advice.com/Let ... tter16.htm

This letter is used to stop harassing phone calls from creditors and collection companies. It is imperative that you send this letter certified mail return receipt in order for it to be taken seriously and to protect you legally.

[Sandifer]

Hey you can battle with these type of haraashing things. You can consult financial advisor or any expert relatedthe finance law he will show u the way related to it.

[Sandifer]

If you have taken any loan then u have to pay it but one positive thing for you that they just tell you to pay it and do not do it forcefully by any other activity.