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they call my friends and my workplace.

Date: Sun, 11/25/2012 - 20:11
Submitted by on Sun, 11/25/2012 - 20:11
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i have been paying mrs on a loan for years now, at one point i had fallen behind on payments and in order to continue making payments i had to pay them $1000 a month for 3 months in a row. yet even after all that, my balance is still as high as when i started. At the time that i was behind they actually called my friends CELL PHONE numbers. how they got their numbers i do not know, they claimed i gave them the number when i asked them... why on earth would i give someone my friend's cellphone numbers when i don't even want them calling me??? They have even called my place of employment and asked for me, then when i came to the phone and explained to them i was at work and not to call me there they continued to ask me personal questions and were very pushy. what can i do if anything... i've been paying them for so long now and i'm getting nowhere my credit is still horrible so i'm not understanding why me paying them is not helping my credit at all? oh, p.s. when they called me friend.... they told her personal information about me and my debt, which was very embarrassing and i'm guessing illegal.


The items you state are clear violations of the FDCPA. Even if the debt collector is collecting debts owed to themselves, individual state debt collection laws apply and generally mirror the federal act.

If your state permits, you should try and record any of these conversations. Try asking for a Manager or someone who is in a position to make decisions and discuss your situation with them.

If they are unwilling to work with you and honor your requests for no phone calls to your place of employment, send them a cease and desist letter. You can find samples online. It doesn't have to be fancy. Send it certified mail so you get back confirmation that it was received. If the calls don't stop, file a complaint with the FTC (you can do that online) and you might want to consider consulting an attorney.

Cheers!


Submitted by charvelsmith on Sun, 11/25/2012 - 21:09

charvelsmith

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Resort to the law asap. It's surprising to know that you've been lending your ears to all these for such a long time. The debt collectors or anyone associated with your debt have no right to harass you or your friends and family regarding debt. Consult an attorney if you have to, but don't take things for granted.


Submitted by daniel.radcliffe0110 on Tue, 11/27/2012 - 03:06

daniel.radcliffe0110

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