Fair Debt Collection Practices Act
Date: Mon, 02/23/2009 - 13:18
I thought that once someone sent a letter in writing to a bill collector telling them to only contact them in writing and NOT to call them at work or at home that they could no longer call ---or if they did they would be in violation of the Fair Debt Collection Practices Act.
Does anyone know more about this. I have written and mailed certified letters to the 4 PDL places that I have loans with (that are not licenced in my state). Of course in that letter I put do not call me at home or at work and to only communicate in writing--but all four companies have completely ignored the letters. They don't even acknowledge them. They keep calling but I have caller ID so I just don't answer the phone.
One company told me I must call them within 24 hours or they will "have to proceed furthur because I am in violation of a business agreement"
Are they in violation of the Fair Debt Collection Practices act because they keep calling?
Does anyone know more about this. I have written and mailed certified letters to the 4 PDL places that I have loans with (that are not licenced in my state). Of course in that letter I put do not call me at home or at work and to only communicate in writing--but all four companies have completely ignored the letters. They don't even acknowledge them. They keep calling but I have caller ID so I just don't answer the phone.
One company told me I must call them within 24 hours or they will "have to proceed furthur because I am in violation of a business agreement"
Are they in violation of the Fair Debt Collection Practices act because they keep calling?
No, OC (orginal collectors) are not bound by the Fair debit coll
No, OC (orginal collectors) are not bound by the Fair debit collection practices act, unless your state has something simular set up to mirror it to include both OC and CA. Some will honor your do not call, while most, specially the illegal ones couldn't give a rats behind as to what the law states.
A cease and desist only applies to a third party collector, and
A cease and desist only applies to a third party collector, and not the original creditor, per the FDCPA.
