I have a collection agency harassing me and have been told I can report them. First of all, I would not be returning their phone calls if I had no intention on paying them. But they want my checking account numbers before I even have a statement. They said they have sent me two and I stated I did not receive them. THey flat out called me a liar and asked me if I knew how to check my mail box! Then I told them I could pay them next month, they offered me a monthly payment option for three months. Then they asked if I could pay it all. I said I was offered a 3 month settlement and they called me a liar stating they recorded me saying I would pay it all in December, full amount. I was actually called a liar by their supervisor! I was so upset I was in tears. Why would I call them back and try to work something out if I had no intention on paying. They say I am avoiding my responsibilities and have no intention on paying. I feel they need to be reported and wonder how I go about doing this
2006-11-27 12:45:51 · 8 answers · asked by Traci C 2 in Business & Finance ➔ Credit
OK, a couple of things you should do:
First, next time they call, tell them explicitly NOT TO CALL YOU AGAIN. By law if you tell them that, they cannot call you any more, they can only deal with you through the mail. In writing there can be no he-said-she-said.
Second, forget the collection agency. You are under no obligation whatsoever to pay them ANYTHING. Call the company you have the original debt with, and set up repayment with them. IGNORE the collection agency. If they call, hang up on them. I repeat: you are under no obligation of any kind to pay them anything, your debt is with the company you owe, NOT the collection agency. Deal only with the company you owe the debt to.
Finally, find out where the collection agency is located, and report them to the local better business bureau and local Federal Trade Commission office. In writing.
Then pay your debt off *with the company you owe it to* and be done with it.
2006-11-27 12:58:38 · answer #1 · answered by Anonymous · 2⤊ 1⤋
Harassment From Collection Agencies
2016-10-29 21:56:03 · answer #2 · answered by ? 4 · 0⤊ 0⤋
I called and tried to deal directly with the original company I owed and they said they wouldn't deal with me directly and that I had to deal with the collection agency that they had turned it over to. Also, the original company cashed one of my payments after they turned it over to the collection agency but didn't let the collection agency know about it, so now there is a difference in the two balances. What should I do about that?
2014-07-31 10:23:45 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Traci, you cannot report a collection agency for phoning you and asking for their money. You owe them money, they have every right to be phoning you constantly. That's what they do. It's not harassment; it's them trying to get the money you owe them. They say you are avoiding your responsibilities because YOU ARE. If you were responsible you would have paid them by now and had them off your case. And you don't intend to pay them. Don't lie. Instead of paying them, you're trying to report them, so they will stop calling, and you won't have to pay. If you brought this before a judge he would laugh at you and order you to pay them.
2006-11-27 12:50:48 · answer #4 · answered by Manuscript Replica 2 · 0⤊ 6⤋
Sound like a relatively wimpy debt collector.
Most will tell you a sheriff is on the way to arrest you or flat out scream at you.
You need to send this letter to them:
http://www.expert-credit-advice.com/Letters/Letter16.htm
Which prohibits them from calling you.
If you feel like you truly owe the debt and want to offer a settlement, send this letter:
http://www.expert-credit-advice.com/Letters/Letter15.htm
To offer a settlement in installments....
Or send this letter:
http://www.expert-credit-advice.com/Letters/Letter14.htm
To offer a lump sum settlement offer....
If you believe it is inflated, or you do not owe it, send this letter: http://www.expert-credit-advice.com/Letters/Letter17.htm
To demand validation....
Or you can send this letter to attempt to remove it off your credit report: http://www.expert-credit-advice.com/Letters/Letter3.htm
To dispute it...
Oh yeah, regarding the harassment... Here are your rights under the Federal Fair Debt Collection Practices Act FDCPA:
http://www.expert-credit-advice.com/debt_collection_laws.htm
Best Anwser???
2006-11-27 14:30:20 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Get an answering machine and let it pick up the calls. Until you are ready to make arrangements to pay the bills.
2006-11-27 12:50:39 · answer #6 · answered by newyorkgal71 7 · 0⤊ 0⤋
Don’t Know wish I did Sounds Like GreenTree
2006-11-27 12:50:12 · answer #7 · answered by GW 3 · 0⤊ 1⤋
just pay what you owe and be done with it..
2006-11-27 12:50:25 · answer #8 · answered by MR B 3 · 0⤊ 1⤋