Can I sue a collection agency for harrasment?

Question

A gentelman that works at a collection agency i have been dealing with lost his temper and completly went off on me. He called me every name in the book. i tried to stay calm and reach an agreement with him on how to pay off the debt, but he wasnt listining to a word i had to say. I dont owe the full amount, however they say i do and that they will slap me with a class 2 misdimeanor if i dont pay. I tried to pay and i was told i gave an invalid checking account number, i absolutly did not do that.

Answer 1

Unless you have it on tape, you have nothing to sue for on that call. IF you decide to tape any future calls, you need to learn the taping laws in your state first or you may find yourself in hotter water than that collector.

Send them a debt validation letter. Include in the letter that you are requesting they do not call you at your place of employment or to your home as it is inconvenient to you. And that all future correspondence from them must be done by USPS.

Legally they must send you something in writing concerning that account within 5 days after making a first contact by phone.
(don't hold your breath on seeing a letter that fast though)

You should order your credit reports and see if they are not only reporting but if they are reporting accurately or not.
You should also check your states statute of limitations (SOL) for collecting. See if you are still within SOL or out of it.

You might click on my profile and do some reading on some of the links listed on it.

Answer 2

I don't know if you can sue but i hope so because i'm having the same problems. Those collection agency are idiots. I would definately look into suing the for harrassment. Get your number changed i got mine changed and they never called me again. Don't worry they won't slap you with a misdimeanor they'll say anything to scare you and get you to pay them. Just ignore them. Another thing that i've noticed is that if you can't pay the whole ammount then that's not good enough for them. That's why he's saying you gave him an invalid bank number they want the whole thing.

Answer 3

I DON'T CARE HOW MUCH MONEY YOU OWE, YOU HAVE THE RIGHT TO BE RESPECTED. THERE WAS NO REASON IN THE WORLD FOR A PERSON THAT DEALS WITH PEOPLE TO ACT IN THIS MANNER. REMEMBER, EVERYONE HAS A BOSS. CALL THE OFFICE AND SPEAK ONLY TO THE SUPERVISOR AND LET HE/SHE KNOW HOW ONE OF THEIR EMPLOYEES TREATED YOU. IF YOU CAN'T AT THAT TIME COME TO ANY AGREEMENT ON MONEY OR THE COMPLAINT AGAINST THE EMPLOYEE, HANG UP THE PHONE AND CONTACT LEGAL AID OR AN ATTORNEY. YOU MAY HAVE TO AT THAT POINT TURN OVER ALL PHONE CALLS FROM THEM TO THE ATTORNEY. AS FAR AS PAYING THEM, PUT THE MONEY ASIDE UNTIL YOU HEAR FURTHER FROM YOUR LEGAL PERSON. SOMETIMES THIS IS THE ONLY WAY TO FIGHT THEM. I HAD ONE THAT CALLED MY HOME WHEN MY SON WAS ABOUT 10YEARS OLD. HE TOLD MY SON THAT HE WAS WATCHING THE HOUSE AND HE WAS COMING OVER. NEEDLESS TO SAY THAT WAS THE LAST TIME THE BOSS CALLED MY HOME. HE WAS LET GO. ALSO, DOCUMENT THE CONVERSATION AS BEST YOU REMEBER IT. KEEP IT IN CASE YOU NEED IT.

Answer 4

If he did indeed call you names and yell at you, you can sue for harassment. I worked at a collection agency and that is one of the main things they taught us, never get mad at a customer. Now if you started calling him names first it might be different. Contact the collection agency and ask them for the customer's rights page, every one of them has a copy of it and has to give it to the customer if asked. Your conversation should have also been record, so call back and talk to a manager and let them know your concern. Tell them you do not appreciate how you were treated and you are thinking of taking legal action because how you were treated was completely wrong. Good luck!

Answer 5

First, call the supervisor, and explain you only wish to be contacted by mail. Or write a letter and carbon copy it to your "lawyer" that you request only contact by mail. They must do this.
Next, look up the fair trade commission. There are laws what collectors can and can not do. Next you can dispute the bill and have a dispute letter added to yuor credit report. next find out what the heck is a 2nd felonly. I think you have a real case for the FTC.

Answer 6

You can file a complaint with your state attorney generals office or the federal trade commission.
If possible,try to record your phone conversations.
Under the law,they cannot make any false claims or statements,they are limited to the days and times they can call.
They may not contact you at work if you tell them not to.
The FTC website has more info and tells how to file a complaint.

Answer 7

I hardly doubt it hun! As annoying as they can be at times, there simply calling because they want their money.. So, it would be nice if we all could do that, but in this case your owing them would make it very difficult for any attorney to take your case.. Just like when I got hit by a car in 2001... I almost died, right.. and I was unconsious when the ambulance took me away to the hospitol, and listed as a "Jane Doe" until I could say my name two days later, right.. Well, I had a law firm ready to take this man for all he had, who hit, me, right.. But, apparently while I was unconcious, the cops gave me a ticket, I never signed.. For "J-Walking" when the man hit me.. so because I got a ticket and the guy who hit me didn't .. they wouldn't take the case!! And I didn't even sign the ticket, so it wasn't a legal ticket, without my signature... And I forgot to tell the lawyer about that part.. Or else I bet they would have gone around it, and went through with it.. The ticket, without my signature, was no longer a legal document of breaking the law!! I think the cop just did that because he had to folllow "Cop Regulations" but if, he really wanted to pursue me actually having the "J-Walking" ticket, than the cop would have come to the hospitol where I was and made sure I signed-it, you know.. Legally that would have been the only way it could have been legal.. with my actual signature.. But, he never pursued it.. And it never went to "warrant" because there was no ticket, as far as anyone involved was concerned!! It didn't exsist, and I could have had all of this guys insurance companies money!!! Big time, had they overlooked the ticket all together, if we'd of mentioned the part about not having signed it.. Oh well, just change your number, and they'll leave you alone for sure that way!! Smile!!!!

Answer 8

I'd suggest you do a search for "Fair Debt Collection Act". Certainly sounds like you may have a case. Debt Collectors can not threaten, use vulgarity, etc.

Answer 9

She could desire to deliver an approved letter with a signature required for transport. The letter could desire to declare something to the effect of provide up calling my abode. She could desire to save all receipts from the submit place of work the place she paid to deliver the letter. in the event that they persist then she has grounds for a criticism and or lawsuit. the subsequent time they call as quickly as they tell her the BS approximately "it somewhat is an attempt to collect a debt and this call is being recorded," she could desire to tell them an analogous element. it would be extra advantageous if she actual replaced into waiting to checklist the communication. If she does checklist the communication she has to tell them they're being recorded. that could desire to alter their song.

Answer 10

listen, don't be stupid here...DO not give you acct number to a collection agency..they will rip you off big time, 2. do not listen to this nonsense, hang up, correspond by mail only, 3. there are no misdeameanors for bad debt, only bad checks, they have to sue for a judgement to collect from you......read before you make matters mushc worse