what do you do if a collection agency is harrassing you?

Question

i had a car repo 8 years ago and i had been paying 50 dollars a month on it through a collection agency and now they are saying that they can't accept my payments anymore unless i come up with $1500 what can i do they call me everyday

Answer 1

read the info in the link I provided. basically if you didn't have it in writing then they can do what they want.

Answer 2

Tell them by phone and in writing that you don't want to be bothered anymore.

After that the only time they can contact you is to let you know they are taking further action against you, like filing a lawsuit.

I would then go to a consumer advocacy group, Legal Aid or a lawyer with all your paperwork about this loan. Something does not seem right here.

Answer 3

Write them a one sentence cease and desist (C&D) letter:

"According to my rights under the FCRA I am charging you to cease and desist contacting me about this debt in any way, shape or form."

By the way, stop paying them! They cannot collect on a debt over 8 years old. Paying them will not help your credit...if it's even still on your credit. Items can only remain 7 years from the date of first delinquency. See the Fair Credit Reporting Act.

Answer 4

Tell them no, then tell them see you in court. If they go that far tell the judge that was the aggreement and thats all you can afford to pay and you don't have 1500. to give. The judge will end up taking your side, end of story. And ask the judge if they can stop calling you everyday. If they can't get an unlisted phone number.

Answer 5

They legally have to accept it and apply it to your account. However, it is legal for them to sue your in court or sell your account to another agency during the process.
Just tell them you know your rights say they must accept this payment and apply it to your account, and see what they say. If they say the account is up next for a court judgement, there is nothing you can do, but typically they will calm down when you tell them you are familiar with the FDCPA and their language sounds suspiciously in violation of it.
If you tell them not to call you any more, they have to stop, but if they sell your account, the next place can call.

Answer 6

So much bad advice. By you paying 50 dollars a month you have reset the statute of limitations and they can now still sue you in court. If you send them a cease communication letter they have NO choice but to sue you (lot of times not likely). Tell them it is ok to contact you by us mail so you have a paper trail and that way also they will not sue you. Please go to www.creditboards.com and read up on your next action, lots of bad advice here.

Answer 7

I would keep sending the payment you agreed on, if the refuse it and take you to court, my guess the judge would throw it out or make them stick to the agreement. You can call a lawyer for advice

Answer 8

They have the right to expect payment in full in a timely manner.
You need to talk to you friends, family, or bank to see if you can borrow the money to pay it off. Or use your taxreturn money - if you get a return.

Answer 9

Claim Bankruptcy.

Answer 10

send them a cease communications letter... a great site to check out is buddhibbs.com.. continue making your payments I guarantee they will not send them back... that is a bullying tactic they use.also check out the fair debts and collections act.

Answer 11

Write them a letter asking them not to contact you by phone anymore. Pursuant to the fair credit act, they have to respect your wishes.