Hi
You can legally stop all the harassing phone calls from the collection agencies. You can send a cease and desist letter via certified mail to a collection agency and request them to stop contacting you.
However, make sure you have a copy of this letter for future reference. Once the collection agency receives this letter, they are required to stop communicating with you under the FDCPA law. They can only inform you about the actions that will be taken against you.
Since when did calling someone a belligerent **** become courteous and professional?
Acadamy says I owe them $2200 so I made a payment arrangement with them, now they say that is not enough. I told the guy, its the best i can do, I will get my taxes back soon and I will consider settling this. He said nasty things, so I told him, why don't you just F*** off and hung up. He called me right back and called me a belligerent ****.. Needless to say I will do everything in my power to make sure they see no more of my money. They can sue me.. These people will call your house without mercy, they call my cell phone, my work, my home.. Accused my fiance's son of being my husband.. Another employee said "liar liar pants on fire to me" then hung up.. NOw how is that for professional??? LOL
[color=Red]****Adult term removed - Jason[/color]
Sub: #1 posted on Tue, 01/17/2006 - 09:15
But, the fact is that the laws are still there and that is the reason we hear about agencies heavily penalized because of their illegal activities.
Gargamel
You don't need to take the profane language used by the people from Academy Collection Services as a matter of fate. Fight back with whatever you can do from your side. Hire an attorney and collect all the proofs for suing this company. If the recording of the debt collection phone calls is permissible in your state, do it secretly and have a legal evidence of harassment on you. In some states, you have to inform the other party about your actions before recording the call. If the laws in your state insist on taking permission from the other party, leave a very clear message proving your taking permission from the other party. If the conversation continues after you have notified him, it means that the permission is granted by the other party.
Send a cease and desist letter to the company's mailing address if you have not sent till now. After receiving your letter, they should not call you further unless you specify to be contacted by mail. They have the rights to call back only if they intend to take any legal actions against you. Otherwise, it will result a violation of the federal law and the legal charges against them will get added.
Remember, all your correspondences with ACS should be in writing. Send your letters through certified mail with return receipt requested. Keep everything documented in a file so that you have all your proof in hand.
I am feeling sorry about what you have gone through. Be strong and put your complaints against them at the local AG's office as well as the BBB and the FTC. They must involve themselves in taking actions against ACS. Keep in touch often.
Sub: #2 posted on Tue, 01/17/2006 - 12:54
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Sub: #3 posted on Mon, 02/20/2006 - 09:55
Sub: #4 posted on Mon, 02/20/2006 - 10:33
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Sub: #5 posted on Mon, 07/31/2006 - 14:33
Sub: #6 posted on Mon, 07/31/2006 - 17:14
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Sub: #7 posted on Thu, 01/11/2007 - 15:53
Sub: #8 posted on Tue, 07/03/2007 - 12:10
Abby, send a cease and desist letter to them! Only have contact with them thru USPS!
Good Luck,
ANg
Sub: #9 posted on Tue, 07/03/2007 - 12:26
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Sub: #10 posted on Tue, 07/03/2007 - 12:57
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