CRS harassing me over debt

Hi

CRS has done a couple of violations of the federal laws in your situation. Firstly, they are not supposed to place those calls after they have been given restricted to call you further. (Especially, if you have given the contact information of your mother)

And secondly, they should not have disclosed the account details of your mother to you.

Ask your mother to send a cease and desist letter mentioning the contacts placed to you. They must abide by the laws.

Regards
Roxette

...record the call. It is absolutely against the law for them to disclose any account information to you about your mothers account. It is also against the law to make threats of actions they are not prepared or allowed by the law to take. such as arrest. If you could get anything like that on a recorded phone call, any lawyer would have a field day with that. And the best part of it is that your lawyer will have to be paid by the collection agency and shouldn't cost you a penny. collection agencies have been breaking the laws since before time. They think they can get away with it because most people have no clue what is stated in the fdcpa (Fair Debt Collection Practices Act). There are so many laws that protect the least sophisticated debtors. if you have any specific questions 'mom of twins' I would be more than happy to answer them. I've been in the industry for 6 years and am very educated in the field. And i hate when collectors break the law. Very uncool. ----

Collection Agent,

Welcome to forums.

I would like to thank you for your support. It's nice to know that there are people like you who are well-known about the rules and regulations. No doubt, the whole group is disgraced by some uneducated persons and they are larger in number.

Hope our community will get proper support from you to fight illegitimate debt collectors in future.

Rock on, Collection Agent! You're a wise and thoughtful diamond in the rough just like me! Join us and we shall bring peace and justice to the world of collectors and borrowers....

OMG...Collection Agent, there are nice ones out there. I thought the only two nice ones were already members of the forum, LOL. There is another!

Yep, CollectorMatt, who has been MIA recently to the best of my knowledge. Cool guy, he and I were knighted on the same day!

Great Ari! I am glad they 'knighted' you. Maybe CollectorMatt will come back, he may start to miss us. Then we will have 3!!!

I will bring others. I will send e-mails to all of my old friends up at CCA to sign up and join the fun. Being an unofficial counselor in these forums has become my passion and my pet project. I'm here every day and am grateful for the new friends I've made here!

We need all we can get. Trust me, if it wasn't for this site, I think I would really lose my mind. I am going to be able to pay off all my debt in June..yeah! But, I just have to remind myself that I can make it until then, so this forum really does help. It reminds me I am not the only one.

Just wait until you see my story posted in the My Story forum. I thin only Danielle Steele can write such a story better than I!

RE: Recording a telephone call. Check your state laws. My state (Arkansas)says that only one party has to know the call is being recorded. So you don't have to tell them you are recording it. On the other hand some state laws require that BOTH parties know the call is being recorded - so be sure you check your state law.

tt,

I have made a list of states that require consent from all the participants while recording conversation, have a look-

http://forums.debtcc.com/forums/recording-laws.html

Well as far as i understand even in the states that do not allow you to tape calls , all you have to do is is ask them if they will permit you to tape it, obviously before you answer any questions, that should keep them from violating anything, alot of times they will just hang up.