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What defines harassment?

Date: Sat, 04/21/2007 - 10:03

Submitted by anonymous
on Sat, 04/21/2007 - 10:03

Posts: 202330 Credits: [Donate]

Total Replies: 3


i have been dealing with collectors on medical bills for a few months now. The situation i am in is that i dont make enough money to pay for my debts after my normal expenses are being paid. I have offered to send in small payments, but they are refusing them. Heres the kicker...when i explained the position i am in to the creditors, most of them have come back with responses that literally have floored me and i have felt harrassed me. I have been told "getting x amount in a year is nothing to be proud of and is barely a way to consider yourself supporting your family" and "if you know your debts are more than what you make...dont you think going out and looking for an 'actual' job would be better?" and "the amount you make is pathetic". Is this harassment? I mean, they are totally ripping me apart. I am working a full time job as a apartment manager. I get my rent, telephone, and internet FREE in addition to my monthly wage. If you add that all up...i am making just as much as if I had what they are calling a "normal" job. what should i do?


Sounds like it's bordering on harassment, but proving it is an entirely different story. Send your payments, I doubt a collection agency will actually refuse cash in hand. Next step, send a letter that informs them that they are only permitted to contact you by mail, and send it certified mail. The letter should help you cut the crap. If they continue to call beginning the day after receipt, sue them for fdcpa violations. Have you already been provided with validation of the debt?


lrhall41

Submitted by Morningstar on Sat, 04/21/2007 - 15:37

( Posts: 1633 | Credits: )


The collectors are there supposedly to help you settle the debt--and this doesn't mean that they can harass you and make personal attacks. They have no right to pass judgement on you. If they say that again say "You are calling me about my debt and making snide comments is inappropriate and I will hang up if it continues".


lrhall41

Submitted by kscornell on Sat, 04/21/2007 - 17:23

( Posts: 4407 | Credits: )