Contact the Federal Trade Commission. We went round and round with ATT,
made a complaint, and within two weeks a supervisor personally called and
apologized, the debt was wiped out, and we got an $80 check.
I do not know your circumstances, if the calls are warranted, or what, but
it seems as though they are over the top. The FTC WILL get their attention,
particularly if the calls are interstate, and if they are in fact doing
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Can't advise you about problem #1, but I have a strategy for #2. It's
very hard to get this type of call to stop. They claim to be "credit
card insurance", but when you press them for the name of their company
and their real purpose they usually hang up on you (only to call back
later). They do not respect any "Do Not Call" list, and since they
don't admit their company name, it's not possible to report them.
I think they're paid according to how many idiots they can lasso per
hour, so the best way to get back at them is to string them along for
as long as possible. I used to have a routine where I'd start asking
them mildly pervy questions about their sexy footwear, or whether they
were wearing bikini underwear or bloomers. They usually didn't put up
with that for long, but it was fun to hear them squirm. And I think I
did wind up on some of their own "do no call this creep" lists. A
slightly better tack seemed to be to answer all their questions in
correctly formed but random sentences that are totally unrelated to
anything they asked. They spend some good time trying to figure out if
you misunderstood them, or if they misunderstood you, or if you're just
plumb crazy. This seems to have gotten me on many of their "don't waste
your time" lists.
Of course, this all takes your own time, too, but I think that merely
hanging up keeps you on their list of possibles and therefore doesn't
do much to discourage the calls.
I used to get the calls daily, sometimes multiples, but now it's rare.
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