National Credit Adjusters - FTC Violations
Date: Wed, 04/21/2010 - 08:55
About six months ago I took out a payday loan and ended up defaulting on it through Cash Net USA. In all I owe them about $611.63. It was sold off to a third party collection agency that goes by the name of National Credit Adjusters. On or around April 7, 2010 a woman called me from NCA on my work number. I informed her I could not accept personal phone calls at work. I gave her my cell phone number to reach me at. The very next day, April 8, 2010 the same woman called my work again asking for me. She ended up hanging up before I could again tell her I could not accept person calls at work. I immediately reported NCA to the FTC and my state attorney general. They didn't call my work after April 8, nor did they try to call my cell phone at all.
Today, a man from I think he said the legal department with NCA called my work number and asked for me again. I told him I couldn't have personal phone calls at work, yet again. He asked when we could discuss the matter. I told him it would have to wait until tomorrow as I work 8am-4pm and have class immediately following that doesn't get out until at least 8pm. He told me the matter must be discussed today and for me to have my lawyer call him. He said for my lawyer to choose the option about a court summons.
I'm not ready to get my lawyer involved in the matter as he is a friend and I don't want to bother him with personal matters until it is necessary. My question is what my next step should be. Should I contact my lawyer? What do I do about the FTC complaint? I am just lost on what to do. What advice do you guys have for me? Thanks.
I also wanted to add that when she called and I answered on Apri
I also wanted to add that when she called and I answered on April 7, I did not say my name. She assumed it was me and started talking about the debt. I'm not sure if that has any relevance as it was actually me, but I do have shared phones at work.
Contact the FTC again. According to the Federal Debt Collection
Contact the FTC again. According to the Federal Debt Collections Practice Acts, a creditor is not allowed to call your work after you have told them you cannot get personal calls at work. Tell your boss about the phone calls, and if they call again, ask them to hold, and get your boss to tell them the company policy and mention the FDCPA.
The legal department should not contact you personally once you have told them you are represented and once you have given them the contact information for your lawyer. In addition, if you have not been served by a process server you should not be talking to the collection agency about a summons. Even if your lawyer is your friend, this is the type of matter you retain him for, and if he can't help you, he'll refer you to someone who can.