collectors, harrasment

Michigan- How do I stop collectors from calling me night and day! They keep caling me and treating me.I have asked them to stop and send mail but it dont work

Sounds like these debt collectors are violating portions
of the federal Fair Debt Collection Practices Act (FDCPA)
section 805; also known as Title 15 U.S. Code section 1692.
Look up the statutes for yourself at [url]http://www.ftc.gov[/url] or
[url]http://www.findlaw.com.[/url] A couple of questions though. Are these
collection agencies or attorneys harassing you or are the original creditors; that is the people you actually owe the
money to? The federal statutes do not apply to original or
first party creditors; only to those who are hired to collect the debt for them.
Also did you send the "drop dead" letter via certified mail
return receipt requested? If not, do it now.
Thirdly, how well are you documenting the phone calls?
If you have CALLER ID, keep the phone numbers that are
recorded in the memory. Recording the phone calls is good
with a phone coupler and/or answering machine; however to
be legal, you must first ask the caller's permission to
record their converstaion. That may end their calls right there.
Finally, find the right attorney; one who specializes in
debt collection case in Michigan. Go to [url]http://www.budhibbs.com[/url]
where maybe one can be referred to you.
You have rights under various laws, but it is up to you
to defend them.

DISCLAIMER: I am neither an attorney nor a legal professional licensed to practice law in any state.
Therefore, the preceding was simply my own opinion,
and should not be construed as privledged legal advice,
or as anything forming an attorney-client relationship.