I've been dissable for 4 yrs. & I have one creditor "Target Visa" who I have explained my situation COUNTLESS times. I'm unable to repay the bill as I'm on a very limited income. They call me at least 5 times a week. Are there any laws or do I have any rights at all re: this matter?
Thanks,
Cathy
2006-12-28 10:44:00 · 13 answers · asked by msdesertrat_58 1 in Business & Finance ➔ Personal Finance
pay the bill
NEWS FLASH; disabled people have to pay bills too
2006-12-28 12:50:29 · answer #1 · answered by Anonymous · 1⤊ 1⤋
The Fair Debt Collection Practices Act is the guide to what they can and can't do (I've linked it below.) They are a little vague on the harrasment section, but for the most part, the industry agrees no more than 1 call per day placed between the hours of 8am and 9pm is acceptable. You have no recourse if you do not pay the debt. They are allowed to attempt to collect the debt.
If you have caller ID, don't answer it or don't answer calls from numbers you don't recognize. If they continue to not reach you, they will eventually give up on that number. You can also look at filing bankruptcy. The courts will restrict creditors from contacting you at all. If you've had a traumatic event that has caused your income to fall and has resulted in defaulted and charged off accounts, it's certainly a viable way to get creditors off your back.
2006-12-28 18:57:13 · answer #2 · answered by Joe L 3 · 1⤊ 0⤋
They will not give up on the number if you refuse to answer. They will keep calling.
We're being harrassed by a credit collection agency for my husbands ex-roommate who moved out over a year ago. We've told them countless times that he isn't at the address or phone number and to stop calling, but they still do, many times a day.
They are also blocking their number on the other end so it comes across as private party/private number on the phone and as annonymous on the website that tracks our incoming and outgoing calls, which is illegal because they are a business and not a private party.
Sorry about your disability and all that but you have the obligation to pay your bill. They really don't care about your situation, they want the money that you owe them.
2006-12-29 10:28:35 · answer #3 · answered by parsonsel 6 · 0⤊ 0⤋
You took out the credit card and used it to buy things. Now you have to pay for those things. You'll have to cut corners or get a family member to help you pay it. Sorry but that's life...you have to PAY THE BILL.
Have you ever heard the expression "pay the piper"...well this is what it means...you listened to the tune so now you have to PAY UP!
People who don't pay for the items they purchase just make items more expensive for those who do since companies have to make the money from somewhere.
Pay them something...even if it's just $5.00 a week!
2006-12-29 10:15:47 · answer #4 · answered by Inquisitive125 3 · 0⤊ 0⤋
You tell them to stop calling you. If you have an answering machine, leave a message specifically for them to cease calling you. Now you have a record of you telling them and their calls. If they contact you after that point. you can report them and even collect charges for it.
Now the hard part.... They extended you credit in good faith. The money was available when you asked for it. Even if you don't want to pay them back, you should. Their telephone calls don't make it any easier, but they are fully within their rights to sue you even if you tell them not to call. Then collect, or worse, inform the judge that you are in contempt of court for not paying whatever they have been awarded.
We don't have a debtors jail in the US, but we do have jails for people in contempt of court.
2006-12-28 18:59:07 · answer #5 · answered by Mike R 2 · 0⤊ 0⤋
How about you get a phone with caller ID then when ever the jerks call hang up or dont anwser you can even block if you want to cause there is absolutly no reason for you to have to deal with this sort of crap and yes you have a right.
~ glad I could help
2006-12-28 18:50:58 · answer #6 · answered by Anonymous · 1⤊ 0⤋
No, creditors only have the right to ruin your credit score. Get your phone number changed to get them to stop calling.
2006-12-28 18:55:40 · answer #7 · answered by TailGunner420 2 · 0⤊ 0⤋
you can either file for bankruptcy or work out a payment plan or just change your phone to an unlisted number and then screen your callers and if they ask for you and you don't recognize the voice then tell them no one lives here by that name and to stop calling.
2006-12-28 18:55:07 · answer #8 · answered by notaxpert 6 · 0⤊ 0⤋
I believe you can tell them not to contact you by phone, by mail only. But it's best if you contact them and try to work out some kind of payment plan.
2006-12-28 18:54:02 · answer #9 · answered by Scoots 5 · 0⤊ 0⤋
change your phone number, get caller id and not answer the phone when they call, or tell them your sorry but they must have the wrong phone number when they asked for you. or just hang up on them. good luck
2006-12-28 18:52:55 · answer #10 · answered by parrotsarenoisy 5 · 0⤊ 0⤋
call the better business bureau and see if they can help you. the fact the you are now dissable is not there concirn.
2006-12-28 18:52:36 · answer #11 · answered by Wicked 7 · 1⤊ 0⤋