Have you ever gotten harassing calls before and not been able to stop them? This happens to more people than you think. There is a way that you can stop harassing calls, but only if you know what information you need to achieve that. This article is going to tell you what the important information is that you need to know and how you can find out that information easily.
So, what is the important information that you need to know to stop harassing calls? Here is what you need to find out.
One: The first thing you need to find out is the phone number that the harassing calls are coming from. A lot of the times when a person is going to keep calling you to harass you, they will find a way to block their phone number. It can be difficult to find out a phone number if they have done this, but believe it or not there is a way to learn this, which you will find out about in a minute.
Two: It is very helpful to know the name of the person behind the harassing calls. This will make it much easier for you to stop harassing calls from continuing.
Three: Another thing you want to find out is the address of the person that keeps calling you. This used to be impossible, but it isn't anymore.
So, now that you know what the important information is that you need to stop harassing calls, you need to know how you can easily get that information. There is technology available that is used by 911 dispatchers that you can legally use on your own phones now. It is known as trap line and you will easily be able to get everything set up to start learning the important information you need to know.
Trap line will give you the phone number, name and address of the person behind the harassing calls, but it is only available online. When you get these calls, it can cause you a lot of stress, time and worry. So doing everything you can to stop harassing calls is a smart decision. Don't let the person calling you turn you into a victim, instead you want to fight back and let them know that you are not going to allow this to continue. That is the best way to stop the people that make these calls.
Copyright (c) 2009 Ed Opperman
It can be so embarrassing and nerve wracking to have creditors harassing you. They call you all the time, even at work. Don't you have some rights? Isn't there something, anything you can do?
In fact there are several ways to make creditors stop harassing you by phone. When you get a harassing phone call, you should sit down right away and write the company to whom you owe the debt in question what is called a "Do Not Call" letter. This letter will instruct the creditor to stop harassing you with phone calls, and give them a better way to contact you.
The best way to make creditors stop harassing you is to prevent the situation from coming to that in the first place. As soon as you know you will be unable to pay a bill on time, call the company to whom you owe the debt and try to work out a payment plan. This shows good faith on your part and makes it less likely that they will harass you.
Keep a record of each and every time a creditor tries to reach you by phone. Log the date and time, the debt they are calling about, the caller's name and the creditor they are calling on behalf of. If it is not against the law (and this varies by state), record the call; or at least tell the caller that the call is being recorded. This may make them think twice about calling you again
Federal statutes are in place to protect people in your situation too. Creditors are not permitted to call you before 8 in the morning or after 9 in the evening, and may call you only one time after sending them as "Do Not Call" letter - and this is a call to tell you they will stop calling. Creditors may not under any circumstances call you at work, ever. If this ever happens, tell them so.
Creditors also may not threaten or harass your children, threaten to take action which is beyond the few actions which are legally available to them (more on this in a minute), or talk to anybody not involved with the debt about the matter. They cannot put you in prison (or threaten to) and cannot confiscate property or garnish wages, unless said property was put up as collateral for a loan.
By law, there are three things a creditor can do. They can sue you to recoup what you owe, they can refuse to do business with you any longer and they can report your debt to a credit bureau. It is exceedingly unlikely that they will sue you, as this will generally cost more than what you owe. The one case in which they may seize assets is in the case that you have something as collateral on a loan.
Another thing they cannot do is bully and harass you. You are a citizen and you have legal rights and protections. If you are being harassed by a creditor, you can stop them. You don't have to be treated badly on account of debt which you fully intend to repay.
Both Ed Opperman & Frank V are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Ed Opperman has sinced written about articles on various topics from Mobile Phone Reviews, Phone Bills and Child Custody. Ed Opperman is president of Opperman Investigations Inc. He is considered an expert in . If you need a trap line s. Ed Opperman's top article generates over 90500 views. to your Favourites.
Frank V has sinced written about articles on various topics from Finances, Health. Sign up for our newsletter and I will give you our Accelerator Plan Free. You will be out of Debt in no time flat! Plus I will show you how to. Frank V's top article generates over 14800 views. to your Favourites.