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Can they call you at work and threaten to get you fired/ arrested at your job site?

Posted: Wed Nov 21, 2007 1:35 pm Subject:

Absolutely not. They can not threaten you at all about anything.

Restrictions Imposed on Debt Collectors by FDCPA:
The act provides rules and regulations for certain activities of the debt collectors.

1. Debt collectors may contact you only between 8 a.m. and 9 p.m.

2. Debt collectors may not contact you at work if they know your employer disapproves.

Debt collectors should not harass, oppress, or abuse debtors either by language or by action.
Debt collectors should not publish a list of consumers who refuse to pay their debts (except to a credit bureau).
The collectors should not use obscene or profane language.
Repeatedly use the telephone to annoy someone.
Call up people without identifying them.
Advertise the debt you owe.
3. They are prohibited from the following actions.

Falsely imply that they are attorneys or government representatives.
Falsely indicate that you have committed a crime.
Falsely represent that they operate or work for a credit bureau.
Misrepresent the amount of your debt.
Give incorrect information about the involvement of an attorney in collecting debt.
Indicate that papers being sent to you are legal forms when they are actually not.
4. Debt collectors must identify themselves to you on the phone.

5. Debt collectors must not contact you when you ask them to do so. You must ideally inform the debt collector about this in writing

Posted: Wed Nov 21, 2007 1:40 pm Subject:

good info Kash!

Posted: Wed Nov 21, 2007 1:44 pm Subject:

If they do what you said file a complaint with the FTC for violations of the FDCPA. If you live in a state that allows recording tape them. If it requires two party consent, say when they call that the call is being recorded and if they remin on the line they are agreeing to the call being recorded. They will either hang up or become very nice.

Posted: Wed Nov 21, 2007 1:59 pm Subject:

Wow! That is horrible! Did that happen to you?

Posted: Wed Nov 21, 2007 2:24 pm Subject:

Why would they want you fired or arrested when common sense dictates you need some form of income to pay them?I know they are not known for sense but their argument has no logic at all as well as they now owe you for Fdcpa violations.