fdcpa guidelines - what can be done if a collection agency violates fdcpa guidelines?

So what do you do when they keep calling your work and they've been told to stop my your manger. Because i'm being harassed at work over and over....because they can't contact me any other way other than work. She asked for their name, address and phone number so we can get our legal dept to handle the harassing calls. But he wouldn't tell her other than he was going to suer her....She hung up on him.

It's gotten nerve wrecking for me on top of other stuff i have to handle in my personal life. they want send anything in mail or serve me withpapers they just keep calling. They are Department of law and Investigation, that's who is calling all the time.

there are a few threads on this place.they are a scam.file police reports for the harrassment.have your manager do the same.then file AG,and FTC complaints.after that do not speak to them again.try to see what number comes up on caller id,and just pick up/hang up.they will tire of it and move on.

my finance company calls me 6 to 10 times a day . they will call within min of each other if i dont answer and they dont leave messages . they also make the number private and at that time they will leave message after message. my voice mail states i am not availible from 8 am to 4:30 pm cause of school but they still keep calling. i am a payment behind but last time i paid we made arrangements to pay that . is what they are doing legal????

It is more than likely a dialer calling and yes it is legal. Loan holders are first party and are not subject to the FDCPA.

A collection agency contacted my on my cell phone.for a famliy member.i advised hem this is not her phone and to cease & desist all calls .. Because this is not her phone line. The collector told me that they will continue the calls .intill i send a letter . But i know that i can say it verbally because its not my debt.they never said anything about the dept .but im sure thats what it is for. Also he kept saying they are not going to stop the calls and that they will just keep calling ..question :isnt that against the fdcpa guidelines????

How do moderators like Soaplady who have such a negative attitude toward the people who post on this forum get to be moderators???
She is all for the debt collection agencies and all against anyone trying to exercise their right to stop unfair debt collection practices. She will tell you that you can't do anything.
She has posted some totally erroneous information on here to discourage people from excercising their right to complain about these agencies.
Anyone who has been harassed by a debt collection agency should do the following:
1. Google FDCPA (Fair Debt Collection Practices Act) and print yourself a copy.
2. Notify the collection agency in writing to stop calling you and to send you Debt Validation information in writing. This is spelled out and defined in the FDCPA
3. There are several other agencies you can file a complaint with, including the Better Business Bureau, the FTC, your state Attorney General, and the Attorney General of the State where the collection agency is located.

My information is NOT erroneous....I just refused to sugar coat what the consequences are and can be from inside a collection agency. You show me anything I have posted that is erronesous. People do have the right to DV if that is what you are refering too. However, I relate to what happens within a CA...especially when accounts are being worked third party agency.

You want a pity party go elsewhere. I post reality of life inside a major collection agency

I believe every consumer needs to be trated with dignity & respect. But, (especially considering the state in which the economy is in right now) should we really be encouraging consumers to evade debt collectors and teach them how to avoid paying their bills?

Most here are not evading anything....CA's and creditors just wont work with them. The accounts go to collections and are often sold to junk debt buyers who pay pennies on the dollar....and then violate every law on the books.

the BBB is not a federal agency if you look at all other settlement/consolidation companies they all have either a non-rating or a D-F rating. this is be the ower of the BBB also owns a Debt consolidation/settlement company as well and rates all others with a bad rating, however, when you look at their files on BBB there are no complaints to be found...for most companies that is. the BBB also accepts monies for companies to erase bad postings and receive good rating for their company. people need to stop relyin on the BBB because the truth of the matter is, the owner is just as money hungry as the collection agencies themselves. you are able to google bbb lawsuits and you will see what i mean good luck to all of those dealing with debt!