Creditors Exchange claims to have a judgment against me – what to do?
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#34
09-23-2008, 11:35 AM
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harrassing phone calls
Creditor's exchange uses inappropriate messages left on any phone number that they get. I owe no debt, yet they will not stop calling and leaving messages with their automated system. Can any government agency stop this and other creditors from calling me?
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#37
10-28-2008, 06:41 AM
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They can demand anything they please. That doesn't mean that you have to give it to them. And they can't garnish your husband's wages without taking him to court first, so that's a hollow threat. Also a violation of federal law.
What type of debt are they trying to collect on, when was the last time a charge or payment was made on the account, and what state do you live in, please? I'd like to check your state's laws. __________________
Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]
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#40
10-28-2008, 07:05 AM
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Send them a demand for validation immediately.
__________________
Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]
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#41
10-28-2008, 07:27 AM
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Just called again
The last payment was made in may of this year. My daughter made it. Then the one I made bounced.they wants to keep calling my husband at work. Can they speed up demand if I do the dv. Wont it make them really mad at us?
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Oh my I NEED help
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#44
10-28-2008, 07:44 AM
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They can't call your husband at work if he tells them not to. That's the law. And while I'm at it, the law also states that they cannot talk to his boss about it. That's called 'third party disclosure', and you can sue them for it. Further, they have no right to work you up into a nervous tizzy over this. And no. If your name isn't on the account, then you aren't legally responsible for it unless you live in a community property state. And even then, there are limits.
Have they shown you what they're collecting for? You have the right to know what you're paying on, that the amounts are accurate, and that the people you're paying actually have the authority to collect that debt. The letter template I linked in for you includes a 'limited cease and desist' clause. Basically, you want them to never call you again, and only deal with you through the US Mail. You want to hear from them by mail, though, rather than just cutting them off completely, as that likely would precipitate legal action. You could certainly put the letter out, but I'd recommend keeping your husband in the loop on this, seeing as it's his account. But both of you need to be on the same page with these people. And don't sign the letter. Just type the name at the bottom. Some of these places aren't above affixing that signature to some bogus document they whipped up in-house. __________________
Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]
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#45
10-28-2008, 07:47 AM
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Quote:
__________________
Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]
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#47
10-28-2008, 08:09 AM
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Those are some not-nice folks. Liars, cheats, and swindlers... And those are their good qualities.
They get a copy of the letter too. __________________
Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]
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