Hello,
I am wondering what it means whwn a Debt Collector says that if you do not return a call they considerate a "direct refusal"?

What does that mean and what will happen next?

FizzGig

A lot of smaal loan companies use the scare tatic.. theysay they have to call you everyone day it gets to a point of harrashment but they say its not they call 7 daya a week am pm... I just finally told them I would send what I can but thet told me no partial payments so I told them to call all they want I don't have to answer

It means they are trying to use words to scare you. And they are most likely some of the scum of the earth, Merely send them a letter that they are not to call you anymore. And that all correspondance must be in wiriting.