Debtconsolidationcare.com - the USA consumer forum

Calls from collectors to pay off my debts

Date: Thu, 05/17/2007 - 10:29

Submitted by anonymous
on Thu, 05/17/2007 - 10:29

Posts: 202330 Credits: [Donate]

Total Replies: 3


I am getting so many phone calls from collectors telling me you have to pay this off, like i have that much money lying around. I am just so stress about this situation :x I just would like some help with this if its possible.


The first thing to do is send them a debt validation letter pursuant to the Fair Debt Collections Act. If they are third party collection agencies or collection lawyers they are required by the act to supply the info you require. A sample copy of the letter can be found contained within this site. In that letter also tell them to cease and desist from contacting you by anyother means other than the Postal Service. What type of debts are these? What state do you live in?
One of the moderators, Cajunbulldog has a very good sample of a validation letter. Type his name in the seach box ofr wait till he shows up on this thread. Do not stress. Lifes too short. Just look at it as a challenge. Do not be intimidated by these thugs. They can't hurt you or arrest you.


lrhall41

Submitted by Frogpatch on Thu, 05/17/2007 - 10:46

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To stop phone calls you can send them a letter telling them that they are not to call your number and to only communicate through writing. You need to send it certified, return signature to make sure that it was received. They are suppose to abide by that, but from when I worked in a credit bureau/collection agency, the request has to be in writing.


lrhall41

Submitted by 2nband on Thu, 05/17/2007 - 11:00

( Posts: 2277 | Credits: )


Here is the sample C&D letter which 2nband mentioned.

http://www.debtconsolidationcare.com/template-cdletter.html

According to the laws, the CA has to validate the debt and if you have mentioned to cease and desist communication, they must do all communication in writing only. If they continue to call, record their conversation after checking your state laws and pursue legal actions. You can sue them for fdcpa violations.


lrhall41

Submitted by Trenity on Thu, 05/17/2007 - 11:07

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