I'm 30 days out on my line of credit payment and the collectors call me at least 8 times a day and even after 8pm. Can they do that, and if not, who can I report them too?
2007-05-10 03:47:13 · 6 answers · asked by mojosc 3 in Business & Finance ➔ Credit
You can view the U.S. laws on fair debt collection practices and where to report violators below.
2007-05-10 04:17:19 · answer #1 · answered by Anonymous · 0⤊ 0⤋
The Fair Debt Collection Practices Act dictates collection policy. They absolutely cannot call you after 9 pm. This is federal law and state law can make this more restrictive, but not less (check your state laws). If you need to file a complaint for a violation of the FDCPA you can contact your state Attorney General's office, the Federal Trade Commission (unlikely they will do anything), or a private attorney. You can also use FDCPA violations as a counterclaim in an action for enforcement of the underlying debt.
2007-05-10 11:00:35 · answer #2 · answered by Anonymous · 1⤊ 0⤋
They pretty much can and will. The purpose is to get you to acknowledge a debt. Beyond that, there is little more they can do, other than to threaten. They are not going to come break your legs, or any other such nonsense and depending on the debt, they may have few options for collection other than to call and send letters. In certain states, they are not allowed to call on a Sunday, as this is not a business day. You can also just hang up. caller ID can help, though collection agencies usually have an unavailable number.
2007-05-10 10:59:41 · answer #3 · answered by fangtaiyang 7 · 0⤊ 0⤋
All states have laws governing when and how ''collectors'' can contact you and there are laws specific to the ''how many and when they can call you,to go beyond that contitutes harassment and you should look into such as you might have a case for court. Save any and all phone calls from them and all correspondense pertaining to such.Most lawyers give free initial consultation and you can go from there.
2007-05-10 11:04:16 · answer #4 · answered by Anonymous · 0⤊ 0⤋
simply request in writing that only communicate with you about yoru account by MAIL ONLY. Pay extra for mail delivery confirmation.
Keep a copy of this request for your records, in case they are really foolish to ignore it.
Then you have an air tight case to sue them and recieve a small $$ award for your troubles. Good luck.
2007-05-10 11:00:17 · answer #5 · answered by lilpuppy6 3 · 1⤊ 0⤋
until you send them a notarized letter explaining that they can only contact you by the mail...they'll keep calling.
2007-05-10 10:53:11 · answer #6 · answered by Anonymous · 0⤊ 0⤋