Is it legal for a creditor to call you and start harresing you saying that you are looser and you are not going to make payment and that they are going to sue you and all the bad stuff they wanna say to you?
I was screwed by a sale guy and a company to signup for $6000 contract for a credit card mechaine that acutally cost $500.00. The sales guy left the company just after signing that contract for me.
I have already paid $2400 but now I want to fight this. When the bill collector called me, I asked him to provide me the info on this bill but he said why should he provide it. He said he is going to sue me.
2006-12-18 09:06:38 · 12 answers · asked by candyqt2006 1 in Business & Finance ➔ Credit
It sounds like they haven't got a leg to stand on if they won't even provide you with the billing information. In other words, their operation is a scam and they cannot report your credit on this. Do not pay them another dime, you have already been ripped off enough. Get caller ID and do not answer calls from them anymore
2006-12-18 09:17:16 · answer #1 · answered by john k 4 · 1⤊ 0⤋
Record the calls - there are levels of conduct that they cannot do. They cannot threaten you, they cannot curse you etc. If you tell them to never call you again they can't, legally. You may not be dealing with original company anymore - this may be a collection agency. Call the orginal company and see if they can help you. They may not talk to you since they turned it over to collections though, but you can try. Unfortunately since you signed a contract you may be forced to honor it or have a bad debt on your credit report. Good luck.
2006-12-18 17:19:53 · answer #2 · answered by PRS 6 · 0⤊ 0⤋
This is called harrassment and threatening a client and no they cannot do this. They are trying to scare you. If this is a collection agency and not the original creditor, you are under no obligation to ever speak to them. All you have to do is notify them in writing that they are no longer allowed to contact you in any way, shape, or form as your debt is not with them. Send it certified with return receipt requiring a signature. After that, if they contact you, you can go after them for harrassment. Never, ever deal with a collection agency. As for fighting it, you'll need a lawyer and supporting documents to back up all claims. Best of luck to you.
2006-12-22 10:57:48 · answer #3 · answered by ginabgood1 5 · 0⤊ 0⤋
A collector can say anything they want to try to get you to pay. I believe the easiest way to get someone to pay is to be nice to them. But they will sue you, don't ever think they won't. The collection effort is just a way of keeping it out of court. They would much rather make a settlement with you than have to go to court.
2006-12-19 23:49:51 · answer #4 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋
Hang up.
They get people to pay by harassing them and intimidating them. Whether its legal or not is in dispute but a blind eye it turned towards it.
I would not deal with any collector that refuses to send you bills. They are trying to get money that is not under legal standing. If oyu knwo the deal with bad then I would not of paid anymore and gotten a lawyer. You may want to still get a lawyer and have him deal with it.
2006-12-18 17:18:44 · answer #5 · answered by B 4 · 0⤊ 0⤋
Tell him you can't wait to meet him in court.Once they know you are not afraid of them they usally change thier attitude.Then mess with him a litttle,so what color arre your underwear ask him.Ask him to hold on a minute then put the phone down and never say a nother word he will hang for about five minutes before he gives up.
2006-12-19 09:17:30 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Record any calls the creditor/collection agency makes. It is illegal in almost all instances under the fair credit collections act for them to make such threats/comments and to call your friends/family or workplace. Pass this along to them.
2006-12-18 17:11:31 · answer #7 · answered by Fred M 2 · 1⤊ 0⤋
Go and talk to a lawyer, for about 100 bucks they will send them some letters, ie validating the debt. It will scare the crap out of them with there poor ethics.
good luck
2006-12-18 22:29:01 · answer #8 · answered by Anonymous · 0⤊ 0⤋
you should hang up, don't engage in the conversation. then write a letter to your creditor and request no phone contact. the calls should stop
2006-12-18 17:10:04 · answer #9 · answered by Anonymous · 1⤊ 0⤋
Record the call or just hang up.
2006-12-18 17:13:50 · answer #10 · answered by ROBERT L O 4 · 0⤊ 0⤋