When I told a debt collector to stop calling me they said no we'll keep calling until you settle this.
2007-03-14 11:47:22 · 10 answers · asked by christina g 1 in Politics & Government ➔ Law & Ethics
Actually, that is harassment. Statutes on harassment differ from state to state, but you might want to invest a few minutes speaking to a good lawyer.
In some states a creditor who harasses a debtor may be subject to harsh financial penalties.
2007-03-14 11:58:05 · answer #1 · answered by Dave 4 · 1⤊ 1⤋
Under the Fair Debt Collection Practices Act, you have to put it in writing. Your state will have a similiar law that may not require it to be in writing, try (nameofyourstatehere)findlaw.com These folks are just doing their job--which sounds like a miserable line of work, but you could call your state bar and ask for a referral to a collections atty who would probably tell you for free over the phone what steps you need to take. Your Atty Gen'l's office, consumer protection division, is another resource. The point is, you need to know the law of your state.
2007-03-14 19:01:17 · answer #2 · answered by David M 7 · 1⤊ 0⤋
Yes, they can keep calling. When you refused to pay them, that gave them every legal right to hound you until you pay off a debt. If you don't respond to the calls, they can also sue you in court, and most of the time you're not notified, or don't realize it because you threw away the letter from them notifying you of the lawsuit.
Depending on how large the debt is (maxed out credit card, unpaid loan, something big like that), the judge will side with them, and if you don't pay, they will garnish your paycheck or your tax return until it is paid.
2007-03-14 18:54:33 · answer #3 · answered by Anonymous · 2⤊ 0⤋
I sup posse that laws vary in different states about that; but I know that bill collectors can a time when they cannot call you (such as 6a.m. or very late at night and also I don't believe they can call your place of employment excessively; say, if you know it's them why do you answer the phone?
2007-03-14 18:55:10 · answer #4 · answered by Pooks 6 · 0⤊ 0⤋
yes they can keep calling. if you signed up for a service or purchased an item and did not follow thru with your obligation it does not count towards the do not call list. ive never been called by one but i know lots that have and it can go on for years. better off to change your number if you cant pay back the debts. altho then they can hire a skip tracer to track you down.
2007-03-14 18:56:05 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Until you pay the bills, yes. They're just doing their job trying to collect the money that you owe. If you talk t them you may be able to make a settlement acceptable to both you and whoever you money to.
2007-03-14 18:55:41 · answer #6 · answered by amazin'g 7 · 0⤊ 0⤋
If you tell them that you wish to only recieve correspondence in writing through the mail then they legally can not call. It can be viewed as harrassment if they do.
2007-03-14 18:58:15 · answer #7 · answered by SecretariesRule 3 · 2⤊ 0⤋
Yea they can keep calling. Get a caller ID and screen your calls before you pick up the phone.
2007-03-14 21:36:41 · answer #8 · answered by Kevin A 6 · 0⤊ 1⤋
No they cannot call once you have requested them to cease and desist. Threaten them with legal action if they call again and say that you are taping this call for evidence. Good luck.
2007-03-14 18:55:37 · answer #9 · answered by Akbar B 6 · 1⤊ 2⤋
They're doing their job. Pay your bills and you won't get the calls.
2007-03-14 18:53:26 · answer #10 · answered by Charlie L 2 · 2⤊ 1⤋