Debt Consolidation Care Answers
Debt Consolidation Care Answers

 

can you tell an original creditor to stop calling?  

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Hey! me again! I wasn't sure where to direct this question cause its not actually about collection agencies. BUT, can you tell an original creditor (account has never went to a collection agency) to stop calling? or is that just for collection agencies only??? I am a few days late on a payment and I have wrote and explained what was going on and what my intentions are. I gave them the whole plan...then I told them to stop calling me! YET they are calling ten times a day. And I know they have gotten my letter. thanks, shirley
 

asked Aug 5, 2005 04:57 PM

imkimssister

2Answers

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Hi Shirley,

It's wonderful to see you back again icon_biggrin.gif

The same fdcpa rule applies to the creditors as well. You can send them a written notice requesting to stop calling you until the debt has been legally validated and before you start making payments. Endless calls will result in violation of the said law and enable legal action.

You know the rules. They are still the same. Certified mail with return receipt requested.

Hope to see you quite often. icon_biggrin.gif

Regards
Roxette

answered Aug 5, 2005 05:49 PM

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Hi Shirley,

Dealing with original creditor is comparatively much easier than dealing with collection agency. One golden rule, do not talk to too many customer care people , talk to one person, take his name, next time someone calls up ask for the same person and explain the situation to the person.

If they go beyond control threaten them for not following the fdcpa, also negotiate for a better plan.

As I said just talk to one guy and also keep a Xerox of all written communication.

Need any other help, just let me know.
Tintin
A true Debt Samaritan

answered Aug 5, 2005 06:01 PM

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