collector is refusing to let me speak

Don't start sending the payments without any documentation. You need to make sure that this company is actually authorized for collections. Call the original creditor and inquire about your file. You will come to know if they have hired this agency. Also, propose your payment plans directly to them so that you don't have to deal with the CA.

Collectors must be licensed in your state before doing collections. Check them with your state DFI.

Did they send anything in writing to you?

Get the debt validated by the collector. Send them this letter. Once they give you the required info, send them your proposal letter. It will be very clearly understood that you are not refusing to pay your debts.

You will cover your legal basis after they receive the letter. The ball will be in their court and will have to provide you the information about their legitimate collections.

I am going to get this done. Thanks!

are scaring me. they refuse to take a payment plan. they gave me 48hrs to come up with $4,000.00. i am backed up against a wall. I need help with what to do.

did they send you anything in writing?if not you have the right to demand it.do not let them scare you.debts are civil matters,and they can't do anything in 48hrs.next time they call demand something in writing.do have a phone#from your caller id?that might help find an address to send DV and C&D letters.

I do have a phone number but I am having a hard time getting the address. When he calls I ask for the address so I can send what I can afford and he refused to give it to me. I want to send $100 a month on a $12,000.00 debt.and he said I can't tell him what I want to do, he tells me. and a $100 a month isn't good enough. He told me to try and find someone who cares about me to give me the money. He is calling back on Monday Morning, I have been jumpy all day I guess because I am afraid my husbands employer will find out and think he is not trust worthy!

that is typical bottomfeeder speak.have your husband tell your boss this is a fraud company if they call.what number comes up on the caller id?just know again this is a bottomfeeding humanoid.do not give him anything over the phone.he cannot do anything he threatens.

Daniels & Norelli, P.C.
Phone: 516-338-7520
900 Merchants Concourse, Suite 400
Westbury, New York, 11590
U.S.A.

Found this by googling....this address was in ripoff reports. Send a DV and C&D restricting them from any work calls.

Thank you both so very much. I truly apprecite it very much. Please tell me what rippoff reports are. what do i do when he calls tomorrow at 9 am if I don't have the money? I am sick over this.

Google Daniels and Norelli....you will see the rip off reports near the top.

When he calls tomorrow, tell him you are NOT permitted calls at work (if you are at work) and hang up. Have someone witness the statement if possible. If he calls you back, you just made $1000 for an FDCPA violation. Immediately mail the DV tomorow

Should I hire an attorney? Has this happened to you?

I wrote the letter and will bring it first thing tomorrow morning to the post office. I am a member now.

welcome,remember what soaplady said.tell them you are not permitted calls at work.wait until they receive the letters.that should stop them.

I sent the dv letter today certified mail with return request and when I got home from the post office I had a letter from them that states they were retained and I had 30 days to dispute. Now what should I do? they should get my dv tomorrow.

Work ceases can be verbal. The FDCPA words it if they know or have reason to know that the employer doesnt permit calls, they cannot call. The debtor telling them no calls at work is sufficient.

Also if you talk to the collector, talk in a very soft voice....it forces them to listen. This is a trick collector are taught....at least good collectors.

ok thanks. being that I think I did get the dv from them today and they will get my dv letter tomorrow, what should I do next?

wait.if they still call you can take action against them for FDCPA violations.i doubt you will hear from them again.

I heard from them all day. I can't sleep or eat. My husband has a bad heart condition that is one one the reasons we racked up all this debt due to his medications and drs. I think we have to contact a lawyer now. I can't live like this