Question on C&D legality regarding PDLS
Date: Thu, 05/29/2008 - 17:27
they continue to call and call....
Is this a violation of the FDCA or not?
Isn't Webpayday and illegal pdl company? Refresh my memory pleas
Isn't Webpayday and illegal pdl company? Refresh my memory please. Actually, they are the original creditor and the fdcpa only applies to 3rd party collectors. :?
Yup, C&D letter will normally work for the third party collectio
Yup, C&D letter will normally work for the third party collection agency. The original lender can call you anytime as they don't have to abide by the fdcpa.
wow- so they can call me several times and its not harrassment i
wow- so they can call me several times and its not harrassment if you tell them to stop?
There are state collection laws they would need to follow which
There are state collection laws they would need to follow which are similiar to FDCRA.
As the original creditor, they have the right to call you. They do not have to follow any requests for no phone contact. They do however have to stop calling you at work after you request. They also cannot harrass you.
Quote:
so they can call me several times and its not harrassment if you tell them to stop? |
No, that would not be harrassment. They have the right to call you.
a creditor does not have to abide by C&D unless you file bankrup
a creditor does not have to abide by C&D unless you file bankruptcy
When you file bankruptcy there is a stay placed on all collectio
When you file bankruptcy there is a stay placed on all collection activity - That is different then a C & D.