Saturday, February 23, 2013

How to Block Toll Free Numbers


DO-NOT-CALL LIST
1. Go to donotcall.gov.
2. Click the 'Register a Phone Number' button.
3. Enter your area code in the first column, and your seven-digit phone number in the second column. Enter up to three phone numbers at a time. You can enter the number either with or without hyphens.
4. Enter your email address twice on the lines below where you entered the phone numbers. The government needs the email address to confirm your request. You must have an email address to sign up for the do-not-call list.
5. Watch for the confirmation email and click on the link in the email to complete the registration of the phone numbers. If you do not receive confirmation within a few hours, check your spam filter or junk mail folder. Your registration will not expire. The telephone numbers you submitted will remain on the list until you request their removal.
6. File a complaint at donotcall.gov if the calls continue for more than a month after you registered the number. Businesses have a grace period of one month to scrub their list of any new numbers on the do-not-call list.
DEBT COLLECTORS
7. Look up the number calling you to confirm that it is a debt collector. Many services are available to do this.
8. Answer their next call to you and request a 'written collections notice sent via U.S. Mail.' They must send you this notice within five business days. If they call you again, you can sue them in federal court for up to $1,000 in statutory damages plus legal fees for violation of the Federal Debt Collection Practices Act (FDCPA). If they send you the notice in the mail, they are allowed to start contacting you by phone again after 30 days. But this can be prevented by following the next step.
9. Write a letter to the address you find on the letter they sent you. Do not send it to any post office box mentioned. There should be a street address somewhere in their correspondence. Sometimes they bury it in the letter's fine print. In the letter, request proof of their identity (since they're asking you to send them money), proof of their legal ability to collect debt IN YOUR STATE (not theirs), the amount of the debt, how they acquired the debt (if they are not the original lender) and the name and address of the original creditor. State that they are not to contact you except by U.S. mail. This will stop the calls. Their calling you again allows you to sue them in federal court for up to $1,000 (again) for violation of the FDCPA.
10. Deliver this letter at the post office, where you will request that it be sent 'via certified mail with a return receipt.' Keep all receipts.
11. Hire a lawyer if the phone calls continue, or if the debt collector continues debt collection by mail without complying with the requests made in your letter. The lawyer will help you recover statutory damages and legal fees in federal court for their violating the FDCPA.

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