Illegal PDL Threats

Are there any free legal aids in your locality that help people in such situations? Some kind of union etc. handles these types of consumer problems and they can help.

I have no idea, will have to look into this. This pdl is enrolled with my Hess Kennedy program, but from what I can tell, Hess Kennedy have not contacted any of my creditors to advise that I'm using their services for debt settlement, so I'm being harrassed.

SAVE THAT MESSAGE! And find an attorney to represent you immediately. Check the attorney database at naca.net for one in your area. That could be a $20,000 voicemail message you just got.

The only way it seems debt collectors will ever learn that debtors are people is if debtors start enforcing their rights. How much is the loss of your dignity and person-hood worth? I dunno, but I'm guessing a jury would be outraged at this conduct, and assign a penalty in the same range.

The law, of course, only works in terms of dollars. There is no real way the debt collector can compensate you for the fear and mental distress caused by their threats. Just the same, you can hit them where it hurts and hope that it becomes financially unprofitable to make such threats.

Sam, Tiffany is talking about the creditors. All you are saying is applicable on debt collectors. But the issue here is with the creditor doing unfair practices but unfortunately, they are not under any restrictions mentioned in fdcpa. How to deal with that?

Save that message and you can use it as evidence later on. I used a msg of that sort in a demand letter I sent to UCL. You can see it on my blog

Ah, I didn't realize Cashnet was the creditor. You can still sue them for harassment and invasion of privacy, but you don't have the teeth of the fdcpa, and you would be in state court.

That IS unfortunate and that is what creditors are taking the advantage of. They don't come under any strict federal laws except if someone files a civil case and the creditor is given a formal warning. No damages paid by the creditor and the person's money went into the court costs and attorney fees.

Well, they are still calling every few days and leaving voicemail messages at work asking me to call. But, all messages since the threatening one are just asking me to call. Obviously, I haven't received any "legal papers" as was mentioned on the message I posted about, because they are full of it.

I have contacted Hess Kennedy about this but have yet to receive a reply. They are supposed to be representing me and contacting my creditors to advise that I am working with them, but it doesn't appear as though they've contacted anyone yet and it's been almost 5 months now.

Talk to your settlement company and make them aware that your account is already in 5 months default. Besides, you must have put the fees in the new account they asked for. You have to check with the company on how long you have to wait for the negotiations to begin.

Tiffany,

What state do you live in? I can give you a couple pointers on this one. Feel free to pm me.