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my aunt put me down as a reference and is not paying the bill. Her creditor has called me relentlessly. I typed up a letter and sent it certified to them to cease calling my home about my aunt's debt. They continue to call me anyway even though they acknowledge they received my letter. What other recourse do I have. What agency can i contact

2007-10-19 02:16:26 · 9 answers · asked by Anonymous in Politics & Government Law & Ethics

9 answers

As has been advised, FDCPA is your only legit response here. Use it.

Excessive phone calls are not allowed.

Also, since you are only listed as a reference they cannot continue to call after you've mailed that. Mention a lawyer, if that doesnt work then get one to mail them something on their letterhead. Usually this can be done very cheap without suing--it just scares them into complying since they know you're willing to take the next step.

If you talk to the aunt, mention to her the FDCPA violation and advise her to mail something to their dispute department. There is a good chance she can get a portion of her debt canceled due to this---the company needs to lose money to care about this.

2007-10-19 02:37:53 · answer #1 · answered by Showtunes 6 · 0 0

Next time they call, tell them you are fowarding a copy of the letter you sent them to your states attorney general if they contact you in any way again. Also go to the FTC web site another poster mentioned for additional info. And also tell your aunt to pay up.

2007-10-19 02:40:39 · answer #2 · answered by SouthernRose 6 · 2 0

Under the Fair Debt Collection Practices Act, debt collection harassment is when a professional debt collector acts in a manner that is harassing, oppressive or abusive in connection with the collection of a debt. Here are some examples of debt collection harassment:
1. Debt collector threatens to hurt you if you don’t pay your bills.
2. Debt collector comes to your house and damages your personal property.
3. Debt collector starts swearing/using obscene language over the phone.
4. Debt collector threatens to send you to jail if you don’t pay your bills.
5. Debt collector keeps calling you on the phone, harassing you to pay the bill.

If a debt collector violates your consumer rights in the above manner, you have the right to make a complaint to the Federal Trade Commission (FTC) and they will investigate the collection company and their debt collection practices.
Go to: http://www.ftc.gov/

2007-10-19 02:28:04 · answer #3 · answered by MBA-MsBadAss 3 · 3 0

The Federal Trade Commission. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

2007-10-19 06:41:09 · answer #4 · answered by Hillary 6 · 0 0

Your best bet is to just hang up on them. If you stop listening to them, they will eventually leave you alone. You can also call the creditor and ask that they stop calling you, but the mere act of calling them can be construed as acknowledging the debt and may bring on more calls.

2007-10-19 02:27:30 · answer #5 · answered by fangtaiyang 7 · 0 1

Tell them you have spoken with your attorney and you are charging them with harassment. If that doesn't stop their calls then call an attorney!! That's bull crap!!

2007-10-19 02:25:56 · answer #6 · answered by been there 3 · 2 0

tell them you are a sales person and insist on them listing to your sales pitch i try to sell them car alarms but i enjoy screwing with there minds

2007-10-19 02:30:54 · answer #7 · answered by Anonymous · 0 1

sue them back, hope you have caller ID

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2007-10-19 03:32:39 · answer #8 · answered by Anonymous · 0 1

change you number

2007-10-19 02:21:55 · answer #9 · answered by morningstar6707 5 · 0 2

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