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 Posted: Tue Dec 18, 2007 9:40 am Subject: Debt colloector |
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Three diffent debt collectors contacted me. When I explained that the debt was not mine and ask them for validation I would not hear from them again. Then about ever two months after the first collector called I would get a phone/notice from a different collector. All the collectors are from different states. When is this to be consider harassment?
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Mark R
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Debtcc Points: 100
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| Posted: Tue Dec 18, 2007 9:50 am Subject: |
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If you tell a collector in writing that they must validate the debt they are to cease collections until they do. You can also tell then in writing to cease and desist from communicating by any other means except the USPS. If they continue to call you after that they are in violation of the FDCPA. That is harrassment. Other forms of harrassment included calling you before 8AM or after 9PM. Calling you multiple times in an attempt to harrass, calling your job when they know these calls are not permitted by your employer, calling third parties and disclosing the debt, sending brightly colored notices or notices that make the contents obvious.
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frogpatch
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| Posted: Tue Dec 18, 2007 9:52 am Subject: |
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If this is not your debt, and you know it isn't, send them a cease and desist letter.
I had to do this with a copmpany years ago that got someone with my husbands name confused with us. An attorney told me to write them a cease and desis contact-that this wasn't my bill..Be sure and make copies and send it certified return receipt..KAren
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Bossy4455
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