I was getting at least 3 phone calls a day from Providian (now Washington Mutual), even on weekends! So, I thought I would try something. I know that the Fair Debt Collection Practices Act doesn't stop the original creditor from calling, it only applies to third party collection agencies, but I was sick of these calls. So, I called Providian back and they of course wanted to talk to me about making a payment to them, but I just said, "I want to be put on your Do Not Call List." And guess what? She transferred me to her supervisor, who then told me that they would do that, but that I would no longer receive any calls from them whatsoever-- no more possibility of making any deals or payment arrangements with them over the phone, etc. That's fine with me, since there's no way I can pay back what I owe to my credit cards anyways, so why bother making any promises I can't keep. And then all the calls stopped. What a relief! She told me I still had to follow it up with a written request to stop calling me, so I sent that off in the mail to them yesterday.
This is totally voluntary on their part, but it's worth a try with any creditor you have. Simply call them back and ask to be put on their Do Not Call List.
This is totally voluntary on their part, but it's worth a try with any creditor you have. Simply call them back and ask to be put on their Do Not Call List.
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