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Hope springs eternal... (by Irene P.):

Jessica, An individual can send a cease and desist letter to stop collection calls, according to Fair Debt Collection rules. I searched it and there were free downloads from law firms. A company cannot make calls if you send the letter. One ICE agent with a Master's degree in Criminal Justice would interrogate the Collection Agent. He used it as an opportunity to convince the debt collector of fraud and that he was a part of it. If you are defaulting due to fraud, and you have maintained a lifelong high credit score, members have reported there were no problems borrowing, especially if the member provided the lender third party support, like the former sales agent awarded $20 million for refusing to employ unfair and deceptive tactics. File every complaint you can, keep the records and provide them to lenders and to credit reporting agencies to dispute the report. Ignoring the situation makes the member look irresponsible.

One year a state AG said the most complaints were about violations of debt collectors. The first was timeshare complaints.