my son owes a payday loan, (CHECK INTO CASH), he wants to make pay arrangements cause we got into a financial bind. one of the workers came by the house the other day and said that he hadnt been in in a while but she had a letter to leave if he didnt answeer the door. but now they call all day and seem like make trhreat. its not like we are ignoring them. they contin8e to call before he gets in and then hes trying to get the monet to pay. do they legally have the right to come to your door? that seems like they are really a mob
2006-08-21 15:53:56 · 16 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
Unfortunately, yes, they can come to your home...however if you send them a cease & desist letter, they have to abide by it. I put a helpful site in the "know your source" section.
2006-08-21 16:03:44 · answer #1 · answered by allrightythen 7 · 1⤊ 0⤋
Creditors can make contact either by mail, telephone or fax, but within specific limits. To follow, are the limits of what can--and cannot--be done to you:
Harassment. Collectors should not oppress or abuse anyone. Threats of violence or harm against property or reputation, or the use of obscene or profane language is inexcusable. Telephone calls at unreasonable hours--usually before 8 a.m. or after 9 p.m. are unacceptable--unless they're agreed upon previously. Contact cannot be made at work if an employer disapproves, and collectors may not call without giving proper identification.
False statements. You cannot be told that you've committed a crime or will be arrested if you do not pay a debt. Collectors cannot misrepresent the amount you owe, or falsely imply that they represent the government or work for a credit bureau. Nor can they threaten to seize, garnish or attach wages or sell your property, unless the collection agency has taken you to civil court and a "default of judgment" has been ordered.
2006-08-21 16:18:09 · answer #2 · answered by angstayhomemom 2 · 0⤊ 0⤋
I know that if you write the company a letter, and tell them not to call your house again, then they are not allowed by law to do so. Coming by your house at ALL sounds kind of fishy to me...although it could just depend on the size of the loan company and on the size of your community. I guess that some communities are close knit enough that some companies can be their own "collections" department. If it makes you that uncomfortable, you might try asking them to see their business license and/or call the Better Business Bureau to better know your rights in a situation like this. Good Luck and hope it all works out.
2006-08-21 20:14:29 · answer #3 · answered by hvytxsaxnt 1 · 0⤊ 0⤋
I don't know which country you are from, but In Oz you are not allowed to be harassed by any sort of debt collectors, and they are not allowed to see you in a way that can cause you embarrassment in front of others. Eg: coming to your work and confonting you in front of your fellow workers.....
I suppose they can come to your home, if they are'nt getting any feedback re. the money owed, can you contact the collection agency the creditor has used, and let them know IN WRITING exactly what is happening at your end? Or contacting the creditor and doing the same?
Good luck........
2006-08-21 16:04:04 · answer #4 · answered by maggie rose 4 · 1⤊ 0⤋
Yes, they can come to your door. Why else would they insist on having somebody's address? This type of loan service is not the best kind to use... obviously a last resort. You will pay a lot of interest on that, too. I hope your son is able to pay that back soon, and that he has learned not to borrow from that type of place any more.
2006-08-21 16:01:06 · answer #5 · answered by mia2kl2002 7 · 0⤊ 0⤋
It is legal for them to come to your door. BUt it is legal for anyone to come to your door unless you have a restraining order against them. HOwever it is your property. If you tell them to leave they MUST leave. If they do not it is your right to have them arrested. Also, any debtor who is trying to collect on any debt has the ability to coerce you in any NON-PHYSICAL form. If they make physical threats that is also grounds for you to report them to the proper legal authorities.
2006-08-21 16:05:44 · answer #6 · answered by AbsintheLover 2 · 0⤊ 0⤋
Start to document the name or employee number of the person calling. Mention the word "harassment" and that you will be contacting a lawyer.
2006-08-21 16:01:46 · answer #7 · answered by something 3 · 0⤊ 0⤋
That sounds pretty rash, but I have heard of businesses hiring people to do just that same thing before they take you to court and sue, so pay as soon as you can.
2006-08-21 16:00:57 · answer #8 · answered by Grandma of six 5 · 0⤊ 0⤋
yes they do. they just cant come before a certain time in the am or after a certain time in the pm. they can also seek a court judgement against him if he doesnt respond...
2006-08-21 16:00:45 · answer #9 · answered by highgamer6969 4 · 0⤊ 0⤋
It is illegal for anyone to come to your house to collect a debt. Keep a baseball bat handy.
2006-08-21 16:00:37 · answer #10 · answered by Anonymous · 0⤊ 0⤋