Being Threatended by O.C.C.

What is the name of the CA??

Thank you kindly for your reply - this David Miller did not give me the full name - he only kept saying O.C.C. and I asked him to please put this in writing either by email or mail and he said that I was wasting his time and using "stall" tactics and that he didn't have to do either.

They can not charge you with a felony debt is a civil matter. They are just trying to scare you. Tell them you are not allowed phones calls at work, and they continue to call, they are in violation of the fdcp.

Thank you to the Guest who posted a reply to my previous post - - I appreciate it - this guy has been scaring me so badly! He has threatened to sue me, garnish my wages, etc., and my husband and I are struggling so badly financially - - it is the last thing I need. I did tell this person not to call me - had even sent a letter to the company that he claims he was the collection agent for and he said it didn't matter that they didn't care about me as they had sold "my debt" to his company and that he could charge me in the state of MA - as I did mention to him that I knew for a fact that Electronic Payment Processing was not a licensed lendee in the state of MA (payday loan or not). I just pray they don't try to do anything else to me - I do not want to lose my job - I was just out of work for 9 1/2 months and got the job I currently have. Thanks again to everyone for your kindness and help - it is so much appreciated.

Evenin' Alice -

First things first. No matter what this bozo claims, he cannot have you charged with a felony. Not even in Massachussetts. I promise.

Telling him to quit calling, or sending a letter isn't likely to have much effect. He's already massively in violation of federal law (FDCPA). If he was gonna comply, he'd likely have done it from the first. Your best bet is probably to ignore the calls, if possible. Contact your Attorney General's office immediately, to file a complaint, and to see what they can do to help you out.

Now, go have a frank discussion with your boss. Tell him/her/it that you're being harassed by these idiots. Bringing the boss into it now, while you're still in control of the situation, increases the liklihood of having him on your side when/if you need him. I appreciate honesty and openness with my employees. Your boss likely will, as well.

Do not ignore the calls. Begin documenting the calls (date, time and content of conversation; if at all possible, record the calls). Continue to demand his full name, address and phone number. Print out copies of FDCPA and read it RELIGIOUSLY. Gather all records and evidence of abuse for your state attorney general as well as the FTC. You will need fodder for any legal options you may want to explore in the future. Going to court may be good thing, as you can present to the judge what's been going on with the practices of this debt collector. Debt collectors prey on ignorance and fear. Good luck!