Hey guys, been a long while since I've posted, but this is right up my alley as I have an over zealous third party debt collector who won't leave me alone.

I've used R4C maybe a dozen times now with third party collectors and it has worked like a charm. They seem to understand when I tell them I refuse to contract w a third party on an alleged debt. They get it and realize they have no standing and they bought the wrong guys debt. The original contract was already satisfied when the third party debt collector bought it at a discount and tried to enforce a claim with me. I love the R4C!

This one guy won't leave me alone though, even though I have certified proof of the R4C being signed for in a timely manner in accordance with the uniform commercial code etc etc.

This guy then called me and argued that the law I cited for the R4C was for commerce and this was a "personal" matter to which I laughed and asked if he was an attorney to which,(after trying to intimidate me into thinking he was one) had to admit that he was not, but that he would make damn sure it got in front of one in my area immediately (as the threatening tone escalated due to me getting under his skin).

Anyway, now they won't stop sending me letters and threatening to sue (still saying that it will be forwarded to an attorney in my area) and any fool can read the law concerning the FDCPA and it explicitly states that if you send them a cease and desist notice then they get ONE more letter to tell you that it can be handled in court. Well, I've had 2 phone calls and two letters, so by my estimation, that is three violations of the FDCPA each offense supposedly carrying a $1000 fine for the offending firm.

My "enforcement" question would be how do I assert my claim that these guys are harassing me and turning the alleged $400 debt into a $3000+ problem for them? I know, as David was alluding to that this site has more to do with article 3 courts and avoiding commercial courts etc, but I have asserted my right to refuse to contract with this third party on a private matter between myself and the original contracting party and I assume the debt has already been satisfied when they sold it to this hotshot collection agency - so do I send a letter to the agency saying they have violated the UCC/FDCPA or just wait to see IF I get sued and present my R4C in court etc or even let them get a summary judgement and then attack the summary judgement later?