Is a creditor considered harrassing you if..........?

Question

If you have caller ID and know it is them....and they call A LOT EVERYDAY, is that too considered harrassment or part of the http://ftc.gov/bcp/conline/pubs/credit/fdc.htm

If you have caller ID and DO NOT ANSWER...but they still call a lot...is that considerd harrassment.....or no since you didn't answer the call?

Answer 1

No, that's not harrassment.

You can learn more about your rights and the laws governing collection practices here:

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Also Bud Hibbs also has some great advice:

http://www.budhibbs.com/debt_collector.htm

Answer 2

It may not classify as harassment if the creditor is calling from in-house collections as they are not generally obliged to follow any Federal contact laws. Third party collections can only contact you 3 times per week, answer the phone and you have just bought your self a few days grace. However by answering the phone the creditor will want to know your U/C as to why you cant pay the bill and when they will expect a payment on the account. hope this helps again it all depends on what country or state you live in!!

Answer 3

Nothing counts if you do not answer and if a message is not left. Otherwise, some legal advisors limit the total allowed contacts as three per week. This means that verbal and/or written communication has to occur. If you do not answer and no message is left, they can keep calling.

If you are tired of the calls, you have the right under the Fair Debt Collection Practices Act to advise them that all calls to any telephone number regarding this debt is inconvenient to you. You can advise that they cease and desist all telephone communications to you, and that they use the US Mail instead. A verbal request works sometimes, but you may need to advise them via a Certified US Mail letter.

Answer 4

Harrassment is loosely defined by the Fair Debt Collection Practices Act. Anything considered harrassment by a debtor basically .......is harrassment.

Answer 5

I work in collections and I also get the calls..Each State is different but for the most part they are not allowed to call everyday.Also whether you answer or not they are only to call once in a 24 hour period.There are many things that Collection agencies are not to do.But they break the Law every single day.They also should not be harassing you at all.If you want the calls to stop answer the phone tell them to remove your phone number ,by law they are supposed to remove it.There are Laws to protect you.If they don't remove it and you can prove harassment or that they did not remove your number you can sue them ...Another thing you can do is complain to their compliance dept,.

Answer 6

whilst they value off a debt, it capacity that they have got given up attempting to collect it. yet whilst they bought the debt, then the sequence company that they bought it to will proceed to attempt and assemble it. whilst they have hit a brick wall or the statute of obstacles runs out for them, guess what, they sell the debt to a various company and the collections technique starts all over again! What befell with the motor vehicle is a undemanding prepare, merely like with properties. A mortgage is taken out and the valuables is going to the guy making the money. in the event that they default, in spite of if by utilising not paying or by utilising returning the valuables, the valuables is repossessed. (in spite of in case you turn it in, it is nonetheless seen a repossession.) Then the unique maker of the mortgage sells the valuables sometimes for the relax value of the mortgage, yet maximum circumstances for the optimal quantity they are able to get. in the event that they get the completed mortgage value (which they infrequently ever do), then you certainly owe them not something, yet whilst they get under the relax value, you owe the version. and because they are able to maintain merchandising the debt many times, you would be greater useful off merely attempting to the two make a settlement grant with the corporate or pay it in finished. one greater element: the parable of collections. maximum folk have self assurance that once a debt runs for 7 years (or the statute of obstacles) that it immediately drops off. not authentic! What occurs is, the unique maker of the mortgage sells it to a team company. whilst that sequence company has performed all it may, it turns around and sells the debt to a various one. etc. each time that debt is bought, the statute starts over. So the 7 12 months element basically applies to the unique maker of the mortgage. After that, it may stay on your credit consistently, by way of fact the debt could stay bought, and with each new sequence company comes a sparkling damaging mark against your credit for non-fee. each of those marks will take 7 years to drop off, however the present collections interest will stay. that's why they sell the debt; you won't pay them, yet they proceed to ruin your credit each time you do not.

Answer 7

it can depend, but they can usually call multiple times a day as long as there is no contact made with you or as long as they dont leave a message each time. only one message can be left a day--but, if u have a cell, home and work phone it could be a few msgs....if you are tired of them calling, you could answer and identify yourself and hangup...if you hangup on them they usually cant call for 3 days...

Answer 8

I guess no one has heard of the FCRA, because according to it all you have to do is send a "cease and desist" letter and they cannot contact you again in any way, shape or form. All you need is a one sentence letter:

"According to the FCRA, please do not contact me about this debt again in any way, shape or form."

If they contact you again, they are breaking the law. If they do, send a copy of your original letter to your state attorney general and they will most certainly get the point.

Answer 9

If it's a first party creditor and you owe them money, they can call as often as they like until your debt is paid.

Answer 10

No. They can calll as many times as they want to from 8AM to 9PM.