Personal loan difficulty

You can't do much. If your debt is really bad I would suggest bankruptcy. If you are in the process of bankrutcy they cannot contact you regarding your debt. So pretty much if you start the process and they call, stop by or mail you and you tell them you are working on a bankrupcy they cannot make any more contact until you go to court.
If your debt is not bad enough to file - then check your local harrasment laws. In Colorado if you notify a company in WRITING that they cannot contact you regarding debt then they cannot make any contact except serving a court summons. Also - CO has a 3-5 year statute of limitations law regarding debt. Depending on the type of debt they only have 3-5 years to collect before they cannot pursue any legal action after that time you can charge them with harrasment.

This answer was edited by mma_mom 319 days ago.

Reason: you to your

Here's some info on consumer rights regarding debt collectors...

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

I suggest you should go with debt consolidation, where you can consolidate your loan easily and also with low interest rates according to your credit history, for your reference http://www.ezconsolidation.com my one of friend had consolidate his loan from there with bad credit and also with minimum interest rates, try this source may you would be helpful.