Posted on
August 25, 2009
at
1:57 am
I've had it up to hear with all the calls that I receive day in and day out. I know I owe a couple of debts and that I am FULLY and SOLELY responsible for, thank you very much, it is just that I even hear reports from my ninety-year-old grandmother that they are calling HER looking for ME. THIS IS CRAZY and I DO NOT WANT TO TOLERATE THIS ANY LONGER. IS there any way that i may know how to fight debt collectors and have them stop calling me? It is intolerable and I wish not to put up with this any longer.
Posted on
August 25, 2009
at
2:36 am
I'm sorry to hear about your situation rawrrr.One way for you to how to fight debt collectors is this--write them a Cease and Desist letter explaining that you no longer wish to receive any more calls from them in the future. You may be able to check out a sample of one here:
http://www.payingpaul.com/cease-desist-letter.phpKeep in mind that writing them a letter does not mean that you will no longer have responsibility for the debt. It is unfortunate but you may still be sued by your creditor in the event that payments are still not made.I wish you the best of luck!
Posted on
August 25, 2009
at
2:55 am
Would you know what transpired between their conversations with your grandmother? Because if they disclosed information on the purpose of the call, they would be violating the Fair Debt Collection Practices Act, which is basically your protection against harrassment and unfair practices by debt collectors. If anything, their only purpose with calling your grandmother should be for fact-finding reasons only. Nothing more.
Posted on
August 25, 2009
at
2:46 pm
OP was not really clear, nowadays the term debt collector is used very loosely, there are many differences between: Original Creditors Collection Dept i.e capone bank or chase bank making collection calls (Original Creditors are not governed by the laws of the FDCPA) Debt Collection Agencies, who are required to follow the fair debt act. and Debt Collection Attorneys, who are required to follow the FDCPA - but can just file law suits to get around the cease and desist letters and validation of debt nonsense.
Posted on
August 25, 2009
at
3:06 pm
And if we are talking about how to fight debt collectors, don't forget about the junk debt buyers. The companies purchase large debts for pennies on the dollar and some of these outfits can be very aggressive in trying to collect.
Posted on
August 25, 2009
at
3:50 pm
Yes, Steven - debt buyers are pretty aggressive. A client of the law firm that I work for bought every single outstanding receivable from Brookhaven Memorial Hospital Medical Center here in New York. I believe he bought them for 8 cents on the dollar, but the total still well exceeded a few million dollars because apparently nobody likes to pay hospital bills any more lol. But as a client, the purchaser of the receivables is impossible to work with - he never wants to settle cases for less then the amount owed. His view on it is, say you purchased a stock for X amount of dollars, the stock price then rose to Y amount of dollars. Why should he accept anything less?
Posted on
August 26, 2009
at
1:54 am
The folks at my grandma's house only told me that they were looking for me. And asking for my number. Well I haven't been answering my phone because I know it's them calling.How soon till they stop the calls as soon as the letter is sent?
Posted on
August 26, 2009
at
4:17 am
Wait 14 days as soon as they receive the letter. They may call you once to verify some information, but other than that, they will be corresponding to you thru the mail. Take note that stopping calls doesn't mean that you will no longer have responsibility for the loan.
Posted on
August 26, 2009
at
4:36 am
Well that may be the reason why they're calling your grandma--because the calls haven't been answered or returned. These guys utilize ways in order for you to be able to be reached by them, and since they aren't able to hear from you, they resoirted to other means necessary to gain information on you.
Posted on
August 26, 2009
at
4:49 am
Can anyone tell me how to fight debt collectors who are violating the FDCPA? Also just to ask, aside from the FDCPA are there state-specific laws in regard to debt collection? Or does the FDCPA cover pretty much everything for everyone?
