The debt collector knows my financial situation and knows I can make monthly payments, just not the amount that they're asking (though they don't refuse what I can pay). And he also told me to call him once a week.
He told me to get a 2nd job so that I will be able to pay what they're asking. But with the apartment I live in, my rent raises with my income. So it could nearly double my rent and I'd essentially be able to pay very little more than I already can now. But I told him I'd look into getting a 2nd job but I can't guarantee anything. The fact is, I don't want to kill myself to be able to pay them an insignificant amount more than I already can.
I don't want to call this person on a weekly basis because I know that the calls will likely be recorded and consist of entrapping questions in which my answers will most likely be used against me later. Knowing this has me worried about calling this guy at all. Is calling him something I'm legally bound to do? What do I do?
2007-11-11 05:43:00 · 7 answers · asked by Rock 5 in Politics & Government ➔ Law & Ethics
google fdcpa....
You can send them a letter stating all communications have to be done in writing.
If they violate this, they owe you $1000, you can sue
example letter:
http://www.cardreport.com/wwwboard21/messages/10410.html
2007-11-11 05:48:50 · answer #1 · answered by ☺☻☺☻☺☻ 6 · 2⤊ 0⤋
NO! this is a civil problem between you and the debt collector. I would tell the collector, you will pay what you can when you can and send a monthly payment. As long as you are showing an attempt there is not a lot he can do to you as far as a civil suit. He can take you to court but the judge always looks at the fact you are trying. Of course this advice is null and void if you have an order from a judge already to do something different.
2007-11-11 14:07:17 · answer #2 · answered by alp807 3 · 0⤊ 0⤋
He can't make you do anything, and he can't do anything to you. The worst thing he could do to you is take you to court, and all the court would do is garnish your wages (and he would get WAY less a month through the court, believe me.) Send him a certified letter stating what you can pay each month, with a check for the month's payment. Tell him any correspondance must be done in writing, and if he calls you in the future say only "Please put this in writing and mail it to me. " and hang up. As soon as he cashes your check, he is agreeing to these terms, and your payment promise. Don't over extend yourself for these people. This guy gets paid based on how much money he can strong arm you out of, don't be intimidated.
2007-11-11 14:54:39 · answer #3 · answered by missbeans 7 · 1⤊ 0⤋
regrettably, it will be easier to inform the phone organization of the challenge and demand a sparkling telephone form. bill creditors are like parasites, they are going to come back time and time again and could many times call each and every telephone form they have. My roommate years in the past ought to get calls from the student personal loan organization and tell them that he changed into somebody else and that the guy they were searching for had moved. They kept calling besides.
2016-10-24 01:11:23 · answer #4 · answered by ? 4 · 0⤊ 0⤋
NO, NO, NO,! Call/contact the FTC and follow the guidlines for the fair credit act/collections.
2007-11-11 05:55:35 · answer #5 · answered by ? 6 · 1⤊ 0⤋
You do not have to call them and they cannot force you to get a second job, send them what you can and they will have to accept it.
2007-11-11 05:58:13 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Tell him "this is what I can afford to pay. You call me when you're ready to accept it."
2007-11-11 05:52:02 · answer #7 · answered by Harbinger 6 · 0⤊ 0⤋