Wells Fargo calls all day long all the time since my husband lost his job back in July. I speak to them when they call and tell them im sorry but there is nothing I can do now to solve the problem. How many times can a collections bank call a person in a given day?
2006-09-24 14:59:16 · 14 answers · asked by harrypotterisgreat 2 in Social Science ➔ Economics
In order to stop collection calls at home you must send a "stop calling letter" to the collector. Stopping calls at work can be a verbal or written notification.
According to the Federal Trade Commission (FTC)'s published interpretation of the Fair Debt Collection Practices Act (FDCPA), collectors cannot continuously call you. Section 806(5) prohibits contacting the consumer by telephone "repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number." Continuously means making a series of telephone calls, one right after the other. "Repeatedly" means calling with excessive frequency under the circumstances.
Another powerful tool for stopping harassing phone calls is to record the phone conversation. Inform the caller at the beginning of the call that you are taping the call as evidence for filing a formal complaint with the State Attorney General and the Federal Trade Commission. If your phone system does not have a way to record conversations, purchase an inexpensive cassette tape or digital type answering machine capable of recording several minutes and that allows recording while on the phone. Another option, if your phone has a speaker option, is to place it in this mode and use a regular or hand-held tape recorder to tape the conversation.
ALWAYS inform the caller at the beginning of the call that you taping the call.
See theseCollection Call Rules ( http://www.fair-debt-collection.com/rules/collection-calls-5.html#1) and if the calls continue, contact your State Attorney General's consumer protection division, use this link to locate yours (http://www.fair-debt-collection.com/attorney-general.html) and then file a formal complaint. While you're on the phone or the web site, ask if they can offer any assistance such as calling or sending the collector a written warning to stop harassing you. Also ask for a reference to any state laws that offer protection from harassment.
2006-09-24 15:14:30 · answer #1 · answered by JFAD 5 · 0⤊ 0⤋
Caller ID seems like a good idea so you can screen these calls. The link below describes how to write a cease communication letter to send to the collection agency. This will not stop them from pursuing a lawsuit, but it will stop the daily badgering. Read through the whole article, which describes your rights under the Fair Debt Collection Practices Act.
2006-09-24 22:14:42 · answer #2 · answered by just♪wondering 7 · 0⤊ 0⤋
You can change your phone number, get an answering machine and/or caller ID, and not answer the call. Then just return the calls of the people you want to talk to until you get back on your feet. Best of luck.
2006-09-24 22:08:18 · answer #3 · answered by Rhonda 7 · 0⤊ 0⤋
Get caller ID and don't pick up when they call. I onced got a landline number previously owned by someone behind on their bills. Didn't matter how many times I told them he didn't live there anymore they kept calling.
Also if they don't change their number on caller ID, look into getting their numbers blocked via your local phone company.
2006-09-24 22:03:22 · answer #4 · answered by midwestbruin 3 · 0⤊ 0⤋
Do Not Call
http://www.donotcall.gov
also, when entering your phone number anywhere online...don't put your actual number. change it just a tad.
oops...seems that mafi's brain was out to lunch on this one. my apologies...but...
get a caller id, like others here have suggested. if it says...restricted, unavailable, private, or a business name. don't answer if this is easier for you to do verses talking with them.
otherwise, answer it, and the min you find out whom it is, tell them to never call this number again and hang up. it is that simple and that fast.
do not listen to what they have to say. their job is to keep you on the phone. the longer they keep you on the phone, the better their chances are at locking you into promises you do not want to make.
2006-09-24 22:12:27 · answer #5 · answered by JanRose 3 · 0⤊ 0⤋
I use to do data entry for a collection agency. Use three words "cease and desist." Be careful. This might send your account directly to the legal department. Try to talk to them, and tell them your situation. Cease and desist will stop communication.
2006-09-24 22:09:42 · answer #6 · answered by croc hunter fan 4 · 0⤊ 0⤋
Check the laws in your state. I believe they're only allowed to contact you once per day (that's actually talk to someone), and they can't call more than three days in a row.
2006-09-24 22:07:26 · answer #7 · answered by TJMiler 6 · 0⤊ 0⤋
If they call you at your place of employment, it is legally known as harrassment, and you can sue them.
Get caller ID on your phone. Don't answer the phone unless you know who it is.
2006-09-24 22:09:46 · answer #8 · answered by GreenHornet 5 · 0⤊ 0⤋
You can change your number and make it private, get caller id and screen your calls, and the she is not here always works!!
2006-09-24 22:05:03 · answer #9 · answered by Manera 4 · 0⤊ 0⤋
get caller id if you can. then just don't answer the phone if you don't know who it is. I think there is a limit you should try to find out because they are harassing you.
2006-09-24 22:36:15 · answer #10 · answered by angie1977c 2 · 0⤊ 0⤋