What does the fair credit law say about debt collectors making phone calls to a private residency?

Question

I'm sick of rude debt collectors calling me on the phone. Until I can pay them off, what can I do to make them stop calling me?

Answer 1

the FDCPA allows a collection agency to call you once per day but no more.... Also, you can stop them from calling you by ordering a cease call.... The collector can be fined if they do not obey your wishes.. You simply ask for the name of the company that is calling you and for what bill.. Then ask the name of the person and state they are in or their collector ID number. Tell the collector under the FDCPA law that you are ordering and cease call and you don't want them to ever call you or write to you again. If they do then you will hold that collector responsible. They can be sued also and they know it because its on the collectors FDCPA test they have to take in order to get the job. Tell the collector if that company ever calls you again then you will hold that collector responsible and that you are taping the call. They have to do it or you could take the tape to a lawyer and they would be more then willing to sue. In many cases debts have been erased due to collectors not obeying the FDCPA rules and laws. Ask any collection lawyer who deals in this field. I know all of this because I use to work for a collection agency for 5 years

Answer 2

The easiest way is to pay them off. When you get in financial trouble, things snowball. That can be hard to overcome. You may need second job to earn extra money. That would get you out of the house when they call.