If you're in an agreement of payment with them then they don't have thye right to call you everyday unless you default on the repayment schedule and it is harrassment contact a lawyer BUT start recording the calls, otherwise you won't have a leg to stand on
Okay. I checked this out and it is Pinnacle Financial Group, Inc. at 7825 Washington Ave. S, in Minneapolis, Minn. 55439. Now here is the plan. Service them notice by Certified Mail at the home office listed above with a return receipt. When you get the return receipt, start sending them a bill for $1,000.00 for each call for Telephone harassment. Now I am no attorney, far from it but, if you actually do owe a debt you will probably be able to go to a low court instead of having to take the violation to Federal Court as they are actually violating the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. Section 1692-1692p. If you can find a small claims court to take your case for Telephone harassment most courts will allow you to sue for up to $10,000.00. Just don't mention it is a Federal Crime, which the Feds aren't really doing anything about and ditto for the phone company. So saddle up folks and let's turn this around. I actual had an attorney say that any company that hires or sells the debt to a debt collector, they can only get one. I have had over three (3) so far calling. Other numbers they have used, and I am keeping a log on them are 239-247-5334 and 512-936-7003 here in Texas. Who knows, it just might work in our favor since the Feds done really give a d**m I don't think. Hi Ho Silver! Go get um.
Ranger, the FDCPA caps statutory awards at $1K per action, not per violation. TCPA can stack up multiple fines, but it's harder to drag collection calls under that umbrella. As a Texas resident, you enjoy very strong state collection laws to help you further.
You also neglected to tell the nice people what to send in that CMRR envelope.
If Pinnacle thinks you owe something, be sure to respond on real paper to its federally required dunning letter with a dispute and validation request, adding that you either restrict or revoke consent to call again. Given the average agency's need to break laws to get at your assets, you should dispute even if you agree slightly with its claim.
If the account is not legally collectable, or it's simply not you they want, you're free to send a full cease-comm, cutting off all contact. Send all notices via USPS Certified with return card as advised. The FTC and many consumer watchdogs explain how to draft them.
Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
http://www.ftc.gov/os/statutes/fdcpajump.shtm