2007-03-14 10:10:09 · 4 answers · asked by ramtuff6928 1 in Business & Finance ➔ Credit
The debt is from when I was with my EX hubby that he was supposed to take care of but didn't. Now they are calling me.
2007-03-14 10:27:59 · update #1
I don't think the laws here in Canada are the same in the U.S.A.
2007-03-14 10:55:05 · update #2
It is illegal for them to use threats to collect a debt !!
Also, by law they have 5 days from the first contact by phone to send you something in writing concerning the debt.
You might want to do some reading in the links that I have on my profile page. Read the FDCPA, FCRA, etc. Also check the link for state SOL's to find out what the collecting SOL is for your state - see if you are still within SOL or out of it.
Learn your rights and learn how to use them.
You might send the collectors a debt validation letter.
If you send a debt validation letter, along with asking for validation you should also include the following:
I am requesting that no calls be made by your company to my home or place of business as it is inconvenient to me. All future correspondence from your company must be made by USPS.
That is a "limited" cease and desist, which when done in writing they "have" to abide with - they don't have to if you tell them by phone.
Never send a "full" cease and desist if you are still within the collecting SOL or if you are out of the collecting SOL and have failed to notify the collection agency that the SOL had passed and the debt is no longer legally collectible
2007-03-14 10:34:08 · answer #1 · answered by echo 7 · 0⤊ 0⤋
I lost my job for two months and was in the same predicament that you are. After not answering their calls for several weeks, I called a debt consolidation place to help handle my debt and only paid one payment each month. You should look into.
2007-03-14 17:20:57 · answer #2 · answered by Jenny007 2 · 0⤊ 0⤋
Either file bankruptcy, offer them a payment plan that fits you're budget, or let them garnish you. Most of the time if it comes down to them about ready to garnish you're wages they will take payments. As long as you keep making payments they won't.
2007-03-14 17:15:56 · answer #3 · answered by NoName 2 · 0⤊ 1⤋
hang up and dont answer in the future.
2007-03-14 17:15:15 · answer #4 · answered by Anonymous · 0⤊ 1⤋