Approximately 6 months ago, a debt I had with a company went into collections. I had disputed the debt, but to no avail. Since then, the collection agency has attempted to contact me via telephone 5-10 times a day every single day on my cell phone. I intentionally avoided the calls. Is this harrasment?
2006-12-18 11:14:08 · 8 answers · asked by bham_guy331 1 in Business & Finance ➔ Credit
Yes it is harrasment. You have the right to send a "no contact" letter telling them that you are now , under the Fair Debt Collection Practices Act are requesting that they do not contact you again. Here is a letter I found on the net :
RE: Account 5145454156
Dear Sir or Madam:
I request that you CEASE and DESIST in your efforts to collect on the above referenced account (SEE letter attached). It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.
You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.
GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Cordially
Scott Free
2006-12-18 11:24:28 · answer #1 · answered by A M 3 · 0⤊ 0⤋
Yes, once they have made contact with you they are no longer allowed to contact you that day. that includes leaving a message on your voice mail There are federal LAWs that prevent the debtor from being harassed they are called the FDCPA Fair Debt Collection Practices Act Look it up http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Hope this Helps
2006-12-18 12:10:58 · answer #2 · answered by ayoung21921 1 · 0⤊ 0⤋
Calling so frequently is harassment, but I doubt a case would stand at trial.
But you can tell them to stop calling your cell. If they continue to call on your cell phone, that is harassment and will stand in court. But, I only know this works if you also have a home telephone.
2006-12-18 12:01:20 · answer #3 · answered by Shel K 3 · 0⤊ 0⤋
Once you tell them to cease and desist the calling they must oblige by that, however most times you will have to do so by sending them a cease and desist letter. Also DO NOT SPEAK TO THEM. Ever. Everytime you speak to them you are giving them more information for a case against you. Tell them anything they have to say to you must be said in writing and mailed to you and then hang up. You are not required by law to speak with a dect collector by phone. Please research "debt collecting" and the Fair Debt Practices Act by googling these for information. Here's a place to get you started.
http://www.fair-debt-collection.com/
http://whychat.5u.com/
2006-12-18 13:03:44 · answer #4 · answered by Shadow419 3 · 0⤊ 0⤋
No. Legally they have every right to do so. Collections agents are trained in the finer points of the law and know exectly what they can and cannot do. Their job is to be intentionally irritating, so you'll pay up quicker.
2006-12-18 11:18:43 · answer #5 · answered by rawk_chawk 2 · 0⤊ 0⤋
Yes this is harassment. They can only call you so many times a day. If they call and you answer the phone tell them to not call you again. Once you tell them that they can no longer call you.
2006-12-18 11:31:10 · answer #6 · answered by Happy 3 · 0⤊ 0⤋
The first answer is wrong. You can tell them to call another number 972-555-1234, tell them that is your work number and that if they keep calling you there, you will put your Lawyer on them. Ha Ha.
2006-12-18 11:25:21 · answer #7 · answered by Anonymous · 0⤊ 0⤋
just change your #. or they will never stop.
2006-12-18 11:23:02 · answer #8 · answered by Anonymous · 0⤊ 0⤋