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Step 1
First if the calls that you are getting are threatening in any way then call your states protection agency and report the creditor.
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Step 2
Next you may want to send them a letter that tells them to stop the calls or you are going to report them to many state agencies and the BBB. This usually will do the trick so they stop calling and harassing you.
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Step 3
Finally make the arrangements you need to to get this debt paid off don't wait until they start to harass you.













