[roxette]

I am happy that this forum is providing continuous help to so many of our visitors and getting themselves aware of their consumer rights.

I thank all of your for your regular stay on this board. We look forward to be of more help to the community in many other ways.

I appreciate that the consumers are aware of their past debts but I also believe that there are better ways of collecting the debts.

scuba steve - I am acquainted to some people who are in the field of collections and they also admit that due to some unfair reasons, the relation between the debtor, lender and the collector is always deteriorating each day.

I do not mind paying my debts and to do so, I might consider selling everything at my end but I will not appreciate unethical reasons which will further add to my woes.

Regards
Roxette

annoyed by collection calls? look up cease and desist learn it live it love it. you can request no more calls or mail, then if u still get those calls... LAWSUIT which can result in a resolution of your debt and you pay nothing at the cost of the company good luck...

Hi,
Pls define first party debt collection,third party debt collection,types of debt collection (b2b,b2c),and various funamentals of debt collection.

[Rhonda28]

If you do a cease and desist, what happens to your debt in the mean time.How is it taken care of? I want to take care of my debts, but I just dont have the means right now to do so. I just dont like all the phone calls especially to my place of employment.

[redeemedsh]

a cease and desist letter sent to the collection agency halts all calls and communications of any kind (other than what you specify). If you wish for them to only contact you by mail at your home, you have the right to demand that they do so. It does nothing for the debt, but does stop the harrassment and annoying phone calls especially at your job. You should make arrangements on the debt if it is your intent to pay, but it should be on your terms and something that you are comfortable with. I hope this helps, also do a search in this site for cease and desist, and for letters, and collection practices in general, there is a lot of useful information here.

[Rhonda28]

Thank you for your insight!! I have a few creditors that will work with me, there are just some that are rude and harassing. I found so much info on this site thanks to everyone replying to my posts!!!

[hurrihottie]

Well i am also a debt collector..and im not in extreme debt..but i barely make enough to make ends meet...i do hear stories all the time..and unfortunately some people do lie in order to get away w/ not paying..i can understand hard times..bc we all go thru them...but the select few who lie hurt the people trying to get caught up...its sad but true..like i said.i hear this day in and day out..if your a bill collector you start to lose the ability to feel sympathy for people..mainly the reason im looking to get out of this line of work..

[Rhonda28]

Well good luck to you trying to get out of the work.\I can understand from a debt collector's point of view, but some do get out of hand. Now a days with the cost of living is on the rise it is easy to see why people live paycheck to paycheck and cant afford to repay our creditors. However, that is another reason why a lot of us registered on here to get advice and help on being closer to being debt free.

I ported my wifes cell phone a couple of days early and Verizon is calling me a couple of times a week trying to charge me $187.00. They told me for months that it would be credited, then suddenly I started getting calls from the collection agency. The credit is on their system, but when they switch me to a supervisor, they won't code the credit to take it off..any suggestions?

Bob :P

[roxette]

Hi Bobby

If the creditors are unwilling to update your credit file even after you have paid them, it will cause defamation and financial injury. You have the legal rights to take actions against them under the consumer protection act and recover the extent of damages.

How about if a credit company calls, has somehow gotten your phone number, and harasses you concerning an aquaintence's debt?? They demanded I get ahold of this person, even tho I don't often see or speak to them. They knew my cell number, my name, and when I last talked to this guy!!

[roxette]

Hi Lynn,

According to the fdcpa law, a debt collector can contact a third party to acquire information about a particular person. But this communication is allowed only once and should not be done regularly to the point of harassment.

Please write a letter to the collection agency to stop calling you or you will have to file legal complaints against them at the government bureaus.

Regards
Roxette

[slover238]

I am going through credit card debt problems now. When I got my cards, I paid extra every month to cover me in case I ever lost my job or couldn't pay. Well, I lost my job and am having trouble getting another one. But the companys will not honor the "insurance" I supposedly had on the cards. I am ready to turn my phone off because of them. I explain the situation to them every day, they ask for a check over the phone. I keep telling them that if I do that, it will bounce. I tried debt consolidation, but I can't even afford those payments right now. Up until 3 months ago, I had excellant credit and all my bills were payed in advance. I am so depressed. It really helps to see how much I am not alone in all this.

[ben]

slover238, are you having problems in paying the monthly payments in the debt consolidation program also? I feel that you should discuss this situation with your consultant and assure him of how much concerned you are to fix your credit file. Get the lowest payment plan in the program so that you can pay it with comfort. In your situation, the main intention is to keep the accounts current and not let it go to any collection agency. Also keep trying for any type of job, (be it part time), at this time since you require some sort of money to keep coming in your house and pay your bills.

Slowly, when your situation improves in the future, you can take full control of it. I hope that the consultant works out a better payment plan that suits to your present needs.

I am being harass for a relative bill. How can I stop this?

[roxette]

Hi Alpo,

Welcome to the forums.

Contacting a third person other than the debtor is allowed as per the fdcpa law, but it should be done only to locate for that person.

If the collection agency is repeatedly contacting and harassing you, please send a cease and desist letter to stop contacting you. They are violating the laws and if they still continue with their actions after receiving your letter, you have the legal rights to sue them.

It will be also helpful in recording all the telephonic conversations and inform them that you wish to present it to your attorney. Hope that you will be able to end these harassing calls through legal means.

Regards
Roxette