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In the United States, the Fair Debt Collection Practices Act (FDCPA) outlines what debt collectors can and cannot do to collect a debt.
Call your lenders customer service department. In some cases they can assist. I also have had some good results calling the senior executives and explaining the situation. In many cases they will have an assistant look into the problem. Get the number from customer service.
Legally, In order to stop the harassing calls write the creditor a letter telling them to stop calling you. The letter can state they are in violation of State and Federal law and continued calling/harassment will lead to a civil suit. Your communication must be in writing, and if possible get a proof (certificate) of mailing to show that you contacted them. Once the creditors receive the letter, they cannot continue to call you unless they can prove that you owe them money. Verbal requests to stop calling can be ignored a written request cannot. Make sure you keep a copy of all correspondence.
If calls continue get the name of the caller. Keep a log of all calls. Under the FDCPA you may be entitled to monetary damages and your attorney's fees if the collector is found to be in violation. It would be worth you while to contact a local consumer law attorney.
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