I can't believe what the bill collector just asked me..?

Question

First of all don't ever get store department cards! I was on the phone with the least liked call of the day, and when they were asking me for another phone number, asked if I could give a friend's number also to contact me with. Is that legal, that he asked me that? I of course said no, I'm not going to give someone's phone number in addition to mine. Any other thoughts on this?

Answer 1

All of these people that are saying it is illegal are WRONG!!!
"And politely asking them to stop calling" will NEVER work.

Here is the deal they can ask you for any number they want. And the person saying they asked if they could borrow the money. That is Legal as well.

I know this sounds harsh but it is true. The collector did nothing wrong, or illegal.

Send a certified letter stating "cease and decist all further communications via phone or mail" once recieved THAT agency can no longer contact you. Here is the catch they will close the debt out and send it to another agency then you will be in the same boat. however as long as you keep sending the letters you will eventually get one of the agencys to slip up and they will call after the cease and decist order has been recieved. Now you have the leverage and can more than likely get them to pay the debt for you by threatening a law suit. YOu settle out of court for them paying the debt and it is done.

This should take about 12-18 months (maybe longer). so if you dont want to answer your phone ofr that long you have your answer.

Answer 2

wait till they ask you if you can borrow the money from your family or friend to pay them. now i thought that was pretty ballsey i dont know about legal or not. it sure doesnt sound right but they are sneakey these days.i hope some one can give you a place to go and see what the laws are for creditors..other than that get caller id and dont answer the phone if you dont reconize the number.

Answer 3

There is nothing illegal about a bill collector asking you for another way to contact you, including a friend's phone number. People are misinformed if they are telling you otherwise.

Answer 4

It is NOT illegal to ask for phone numbers....no matter whose phone number they are asking for. If I am not mistaken, the Fair Lending Act or Patriot Act (something like that), states they can't ask questions such as race, marital status, etc. But phone numbers, income, etc. can be asked. But, you do not have to answer.

By the way, not to be rude, but if you paid they bill, they would stop calling.

Answer 5

I'm sure it's legal to ask. If you're dumb enough to give them someone else's number, which I'm sure some people are, just one more place to harass you at. You have zero obligation to give them anything but your home phone number. And you can request, in writing only, that they cease all but mail correspondence to you. Send it certified mail or it won't count.

Answer 6

I am almost positive that is illegal. There are laws regarding whether information a solicitor or bill collector can ask. NEVER give out personal information you do not want to. I'm not sure where you can look this information up, but it is do-able. Google it. Good luck!

Answer 7

It actually IS NOT illegal. asking for a friend's phone # is what they call a "nearby" say your phone gets disconnected and you are behind in your payments...like REALLY behind. they call up that friend and ask them if they know of any way to get a hold of you. it's freakin annoying to the friend and probably embarrassing to the credit card holder. but yeah, it's called a nearby.

Answer 8

Whew - what you're able to do is deliver the creditor a "quit and desist" letter this is so as that they could no longer touch you via ability of telephone and could purely communicate in writing. the risk of a regulation healthful sounds very actual and it form of feels that they intend to sue you to recoup what you havne't paid. that would not supply them the splendid to communicate to you in a derrogatory way. in case you are able to cope with to pay for to pay the full quantity, gain this. If no longer communicate to somebody who's keen to conform to a fee plan get it in WRITING. meanwhile attempt and negotiate a "pay for delete" so as that when you're executed paying, they 'll eliminate it out of your credit rfile. confirm the letter would not in simple terms say they are going to rfile it as paid....it's going to nonetheless be on the rfile for the subsequent 7.5 years yet say "paid" confirm they adjust to eliminate it. in case you're a daycare provider your first criminal duty is to the chidren no longer your individual calls. confirm you're paying interest to them. If something occurs, you would be so knee deep in it, your contemporary project won't even remember.

Answer 9

you need to politely ask them to never call you again, or better yet sent them a certified letter asking them that. If they do it one more time, you can sue them 1k each time. They will be dumb enough to do that, i had a roommate 4 years ago that had them after him, i told them he dose not live here anymore stop calling. I then talk to my lawyer friend and he sent a ceset and disist letter to stop calling my number. guess what they were stupid enough to do it again.. 1k in my pocket did not have to worry about that again. i am not a sue happy person but it was harrasment.

Answer 10

i could see them asking you for a cell or work number where you could be reached. but a friends? i'm not sure how much legality there is to it, but he shouldn't have asked you.