how can i legally stop a credit collection company from calling every day for something i feel i dont owe??
2006-08-27 03:01:37 · 11 answers · asked by roadrunnerpine 1 in Business & Finance ➔ Personal Finance
According to Clark Howard ...
according to the FDCPA (Fair Debt Collection Practices Act), collectors must follow these rules: 1) A collector cannot call you after you’ve told them not to do so. 2) A collector cannot call you at work. 3) A collector cannot tell other people about your debt. 4) A collector cannot threaten you (with court, jail or other).
There's more info on his website on how to deal with collectors. www.clarkhoward.com
2006-08-27 03:11:52 · answer #1 · answered by swami 2 · 0⤊ 0⤋
depends on if you actually owe it or just feel like you don't owe it. Talk to someone higher up in management from the collection company and tell them the matter is in dispute between you and the actuall collection company and that if they don't stop harrasing you about collection you will have an attorney contact them. Provide them with a copy of any leters you may have showing that you are actually disputing the claim as well.
2006-08-27 10:08:28 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Change ur phone number and dont sign any promissory note. They are sharks. Dont sign a receipt for any demand letter. If u are from the Philippines, there is a Central bank circular prohibiting credit cards company to harrass clients to collect unpaid obligations. Citibank do not sue in court.
2006-08-27 10:11:56 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you don't owe it, you need to prove it or they can take you to court. But, to stop the calls, write them a letter and send it certified mail, return receipt and instruct them to cease call phone communication with you. They must comply. I would also suggest you read the FDCPA which will tell you your rights in this matter.
2006-08-27 14:09:55 · answer #4 · answered by personal_finance_101 3 · 0⤊ 0⤋
Have them, their number and company name, blocked by your phone company.
The next time someone calls state that you are contesting the collection and you have done a,b,c to prove it. Ask for a suporvisor (don't expect someone more reasonable) and state that you have begun fixing the process, do not call me.
2006-08-27 11:26:07 · answer #5 · answered by Happy to help 2 · 0⤊ 0⤋
Change your phone number and contact the credit agency via letter and tell them your feelings and why you feel that way.
2006-08-27 10:08:31 · answer #6 · answered by gotseatbelts 2 · 0⤊ 0⤋
Tell your phone company about the problem, maybe they will change your number for no charge.
2006-08-27 11:13:18 · answer #7 · answered by Grandpa Shark 7 · 0⤊ 0⤋
This is generally illegal. I would inform the police. If this solves nothing then hire an attorney.
2006-08-27 10:07:27 · answer #8 · answered by Crossroads Keeper 5 · 0⤊ 0⤋
hassle them right back,keep them on the phone longer than they want 2 b on the line, f`ck with their heads asking stupid questions,
2006-08-27 10:12:19 · answer #9 · answered by Anonymous · 0⤊ 0⤋
hire an attorney.
2006-08-27 10:04:13 · answer #10 · answered by Mexitaliana 3 · 0⤊ 0⤋