Debt collectors

Can debt collectors call you at any and all times of the day to secure money owed? What is the law for limiting their phone calls?

Hi ms_im2real4u

debt collectors are bound by the laws of the fdcpa. The most important point in this law is that they should not call you before 8 in the morning and after 9 in the night. Besides they should have a prior consent of the person before making the contact. The collector must not call you repeatedly each day for recovering the debt amount.

If you know a debt collector going against the laws, you can record the phone calls for taking legal actions. Check the laws in your state first before taking this action. Most states allow recording of the phone call secretly but in some states, you will have to take the permission from both the parties before recording. If you do not inform him, the company might take actions against you.

You can also send a cease and desist letter for stopping the collection calls. Samples of this letter are available here in this forum. You can tailor it according to your needs and send it to their mailing address through certified mail with return receipt requested. Make sure that you give them the room to contact you through written correspondence only. If you do not mention this point clearly, they will assume that you are trying to avoid the debt and hence will take the matter to the court.

Read more of the debt collection laws mentioned in the FDCPA. Be well informed before dealing with a collection agency. You must not make a wrong move with them that can take the situation in the opposite way.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Good show John! Ms_Im2real4you, I used to collect, and the basic legal calling structure is between 8am and 9pm your time, twice a week at home, and twice a month at work if in fact you allow it. Also, if you specify that you will only accept writtne correspondence, they must comply or else you can sue. Other than that, when it comes to your debt, it is your best bet to try and negotiate with the original creditor. If you have an account in third party, they will not treat you with dignity or give you any breathing room. You need your sanity to be able to take this head on.

You open an account, run up a balance(not large enough for a collection agency to waste time litigating) and then go into hiding. You do not respond to any letters that are sent by the original creditor. You will pull your credit report every month or so until the account appears. You resurface when you want to do something with your credit. Then, the certified letters begin,.. .. .. Per the fdcpa, you must show me my signature(we do not), you must prove the statute of limitations in my state has not expired(we do not) you must show me you are licensed in my state(we do not) you have 30 days to validate this debt(we do not) you have failed to validate this acct in the required 30 days ( not true) you must delete your reporting from my credit (we won't) I will sue your company ( you won't)

You have a better shot at making an entry disappear by writing a letter to the agency that is reporting the account inaccurately saying " I never had this account, please delete from my credit profile."

You have no integrity and are nothing but a fake trickster.

Hell collector you little twit! Why don't you read the fdcpa laws before you spout off. Here is what the FDCPA has to say about validtion of debt.

I forgot to mention you are a liar as well.....

You admitted you break the laws.

Please retrieve you head from your ass Hell Collector and move on. This is not a going into hiding forum, it is a debt consolidation forum. I used to collect and am fully aware of the unfortunate situations of job loss and illnesses that lead to debt problems. That is why this forum exists, because narrow minded collectors such as yourself think that every debtor is a crook and you treat innocent people as such. You really think being insulent and threatening is a good recovery tactic? Come on! I successfully collected tens of thousands of dollars of student loan debt by taking into consideration each individual debtor's situation and helping them. It is obvious to me that the reason for your frustration is that you clearly don't understadn the laws, you pay no mind to possible situations, and you have no interest in actually helping people, but in getting a bonus check. By the way, what exactly do you burn your bonus checks on? Sound systems? Video games? A car that compensates for your shortcomings? You opened this can of worms, now 'fess up!

Ask Clay about it

Wow, I had heard about this person (using that term loosely) - hell collector but had not actually read any of the posts. After reading these I'm not sure I will read more, he/she is just proving what jerks collectors can be...

very well put Sue.

Ask Clay about what?

Ari, don't respond to him/her...it's not worth our time or extra keystrokes to type the messages.

Thats the exact thing I was wondering. I have had my fill with people like hell collector that thinks they are above the laws.

chicago cub's fan on the forum, figures, white sox win and cubs do not.

What does that have to do with anything?