Last night they called my grandama, i don't even know how they got her number?! i don't list her as a reference or anything like that EVER!, also is it legal for them to call me when i'm at work?
2007-07-19 03:51:57 · 13 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
I don't know what state you're in or what the laws are currently, but I filed for bankruptcy about 20 years ago. Creditors were calling all of the time and it was a very stressful period. My attorney told me to make these three statements when they called:
1) I don't dispute the fact that I owe you the money.
2) I don't have the funds to pay you right now.
3) Don't call me again.
It worked for me; they didn't call any more.
You may want to contact a credit counseling agency. They contact the creditors on your behalf and make arrangements for your repayment at a lower monthly amount. They can also sometimes reduce your interest rate.
Good luck to you; I know it's stressful.
2007-07-19 04:19:53 · answer #1 · answered by Sport 3 · 3⤊ 1⤋
Yes there are rules that govern how they can collect a debt. It is outlined in the Fair Debt Collection Act. Do all creditors follow the guidelines - No, but the burden of proof is on your end. You can write them and inform them that they are not allowed to call you at work, if they do after that then you should report them to the attorney general for your area, with proof mind you.
2007-07-19 04:02:35 · answer #2 · answered by b b 2 · 0⤊ 0⤋
Yes. I don't know if it is a state law or a federal law, but you are able to tell creditors not to call you at all and/or not to call at certain times (or you were at one time and in some states). Of course, creditors still have the option of taking you to court to collect what you owe. You should check with The Secretary of State Office for your state, and with credit counseling services. Some credit counseling services are free and able to negotiate with some of your creditors to hold off on collection actions in return for reduced payments. You may want to check with your local Better Business Bureau for information about credit counseling agencies in your area.
Good luck.
2007-07-19 04:02:30 · answer #3 · answered by Yaktivistdotcom 5 · 0⤊ 0⤋
I don't know about now , but they use to be allowed 3 calls a day at your job. My husband while we were getting a divorce ran up a bunch of bills, they started calling me and even told me that that day when I got off of work the sheriff would be waiting for me to cuff me right in front of my friends. I finally wised up I would pick up the phone and when they started I would lay it back down and when the third call came I picked it up and told last call until tomorrow, bye. One woman call me and told me I was lier , I told before you start trying to spell if I'm not mistaken liar is spelled LIAR. She hung that phone up and finally after a year they stopped calling.
2016-05-17 09:46:18 · answer #4 · answered by loren 3 · 0⤊ 0⤋
Tell them to stop on the phone and in writing. Also be sure to record every conversation you have with them. There are very strict laws that govern how debts may be collected, but telephone debt collectors are paid based on production like repo men, and also like repo men they tend to be shady individuals who jump from company to company. You can sue the company for harassing you and your family. You should consult a lawyer for help.
2007-07-19 04:00:12 · answer #5 · answered by New Dog Owner 4 · 0⤊ 0⤋
my bank make a mistake and sent a bill to a collection agency, that harrassed me constantly. Financial aid consultant helped fix the problem, cost me nothing but a phone call.
2007-07-19 04:07:56 · answer #6 · answered by Rob M 6 · 0⤊ 0⤋
Yes they can call you. And they will call you.
The best way to get the off your back is to call them and see of you can work out a settlement or payment plan. If you are able to abide by small monthly payment they will leave you alone.
2007-07-19 04:09:02 · answer #7 · answered by smedrik 7 · 0⤊ 1⤋
Yes there are. Ask them to STOP calling and to send information only by mail. They are then required by law to stop calling.
2007-07-19 07:01:02 · answer #8 · answered by Educated 7 · 0⤊ 0⤋
Don't you just hate them.
They called me at work at one of my jobs (and basically got me put on "probation").
That is why i got rid of my phones, and now just use "pay as you go" plans. That stopped that problem overnight.
What those 2 other dip sticks (before me) don't realize is that sometimes bad things happen to good people! So get off this kids case, until you hear the entire story!!!!!
2007-07-19 03:56:05 · answer #9 · answered by Anonymous · 4⤊ 1⤋
hmm creditors call you no matter where they can find you that what makes them creditors. they should put a law thiugh cuz they do harrass and keep calling at your job. no there is no law.
2007-07-19 04:57:18 · answer #10 · answered by Maricela M 2 · 0⤊ 1⤋