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 Is it a bad idea to put all the credit card junk mail into their return envelope and send it back??

Additional Details
Just to be a pain in the ***...and cost them money......


 Am drowning in the river of debts?
i really need help i cant seem to stop drowning
in debts and at the end of the month
i pay off debts that what i remain with
cant take throughout the next whole month so i have to
...


 I have received notification of a debt which i did not know existed from 11 years ago i am being threatened?
with legal action where do i stand. I had a violent partner who ran up alot of debt i do not know if he used my credit card. The debt is from 1996 like i said i knew nothing about this until i ...


 Help... my parents took away my credit card!!!!!!!!!!!!!!!!!!!!!...
i am 14, my parents said that i was spending to much and if i wanted it back i had to pay 50% percent of last months bill it was 3,695.23$ and that was the lowest bill ever why did they take it away ...


 Is this a con?
my husband applied 4 a loan and the broker said he had been approved for a loan and all he had 2 do was said in there fee of 39.99 pound s and then they would pass his details onto a suitable lender. ...


 How do I get a Personal Loan for bad credit. I've searched & searched & get turned down.?
I'm trying to get a personal loan for an emergency. None of my accts are past due but my credit score is low because I have too many small limit credit cards that are maxed out. I've ...


 Looking for a personal loan for 4,000. i have bad credit. I have steady income can anyone tell me where to go?
i have a title to a 2001 Hyundia Accent also for caladeral. i have steady income i just need someone to pint me in the right direction to find a place that will do a loan. Thanks for yur ...


 Gift cards?
Is there a website that allows you to see how much you have on one?...


 Will getting too many credit reports affect my credit score?
...


 I want a house sooo bad!?
As a single parent with three kids I feel no one will want to touch me because I am a risk. I would like a 3 or 4 brm house. I make 15-17 hourly, I recieve child support of 320 a mo I'll ...


 Credit Cards, Which one should i get?
I am 19 years old and i want to start building my credit. I moved out when i was 16, but come to realize i cannot get anything without paying cash b/c i do not have any credit. I would like to get a ...


 What can Credit Card companies legally do, if you stop making payments?
What if you are a Canadian in Florida and these are American Cards? Would going back to Canada be absolutely necessary?

Sorry about the 3 questions. Serious or seriously funny answers ...


 What are the best ways to clean up your credit in one year?
...


 How do i make my credit score? i just turned 18 and every one keeps tellin me i should get a credit card?
but HOW??...


 What should i do about Capital One?
Ok i have had this card with them for 3 years and have never complained about the 19.80% interest but now that i have built my credit up to a score of around 750 at 22 years old i do not want a card ...


 How do you make 200 dollors FAST??!!?
Please I really need to make $200 FAST!!!!!PLEASE HELP!!!!!...


 Im scared!! my debt might be passed onto a baliff, will i get any sort of correspondence off them first????
...


 Car finance settlement figure?
Can anyone help me with trying to figure out how much my settlement figure on my car finance would be.

I took out the finance last august 06. The car total was 3895 and i pay 124.62 a ...


 People that had my phone number prior to me aren't paying their bills?
Apparently the people who had my current phone number are deadbeats and are not paying their bills. I usually get at least a phone call a day including the weekends. I have talked to these people ...


 Debit card question?
How long does it take for the shops to take the money out of your account from when you purchased something on your debit card? As this is my first and I do not wish to end up going over what i have ...



happyscrappycat
Can a creditor call my employer to collect a debt?
I recently had a creditor, (General revenue corporation) Call my work to find me, Is this legal?, it really burns me that they would bother me at work to collect a debt. Can I do anything to stop them from doing this in the future?
                     
 




saint b
Rating
If I am not wrong, they can't call you. Hire a lawyer. They can call on your home number and that too only once in a day and if they do more than that, your lawyer should help you.

Since you seem to be under debt, I suggest you read these debt consolidation articles, as it might help:

Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html

How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html

What is Debt Relief?
http://www.askaquery.com/Answers/qn1583.html

Debt Management and Building Wealth
http://www.askaquery.com/Answers/qn1581

How to lower your debts?
http://www.askaquery.com/Answers/qn1576.html

How to reduce debt : How to lower your expenses?
http://www.askaquery.com/Answers/qn1577.html


cal-p
Yep


Steve C
you have to tell them they cant call you at work anymore, if they keep doing so, you can prosecute.... but then again, would you? depends on how much you owe em i guess....


leon k
no they cant, they can call your employer to try to get in touch with you tho, but they cant talk to the employer bout the problem itself


glimmer_man
Rating
They can legally call you at work but not your supervisor. They are only allowed to call you once a day. You can stop the calls altogether. Send them a letter in which you inform them that you do not do business with collection agencies. Tell them that you do not want them calling you anymore. Inform them that they are forbidden by federal law from calling again once they have been so notified. Send it by certified mail so that you can prove they received it. After that, keep a log of dates and times they call. For each time they call after receiving the letter federal law provides for a fine of $500.00. And guess what - you get the money.


boobafoo_2000
No, but they will call to confirm employment. Most of the time they mail a paper to your employer and try to confirm your status and even ask how much you earn. Employer is under no obligation to confirm that. However, if you get a judgement for garnishment against you, the court will send a letter to the company and tell them to take out X amount of dollars. In Georgia that amount is up to 25% of your pay which sucks!


jannie
Rating
no they can call you at work


Crazy Diamond
Rating
To find you yes demand money no it's known as demanding money with menaces but you need witnesses.


rocco071706
Yes they can contact you at work but once you tell them not to call your work by law they have to stop. THE FAIR DEBT COLLECTION PRACTICES ACT they called me at work and i mentioned the ACT and they never called me again----


Tom H
It is legal for them to contact your work when trying to locate you or insure that you do indeed work where you say you work. However, they cannot speak to anyone about your debt, nor can they discuss anything pertaining to it. If they contact you at work, tell them that you cannot speak to them as your workplace does not allow personal calls and they are placing your position in jeopardy when they contact you at work. Ask them politely to contact you only at home.

A word of advise though, don't let this problem linger too long without paying your bill, it will only get worse and the money you own will only increase. Contact a financial counselor if you need assistance, they can in many cases help you to reach a payment schedule that you can live with.


csucdartgirl
Next step they'll be calling payroll to get a wage garnishment off of you.


Jill&Justin
The collection agencies are ruthless. My uncle, whom I haven't seen in like 5 years, owes a ton of money. We have the same last name and lived at the same address for a while, so they call ME. I finally told them I was calling my lawyer.


Mopar Muscle Gal
Rating
yes they can contact you job to talk to you re: debt


Lisa M
No, they are not suppose to.Call them, tell them you can send them a dollar a month, that's all you can afford.Tell them your taking care of sick parents, children anything you want.They have to accept it.They are not allowed to call anywhere as long has they have heard from you and you worked out something with them.Good Luck!


Tyna S
They are not suppose to be able to harass you at work, however now that they know where you are they can petition the court to garnish your wages. Your employer can't refuse if it is court ordered.If I were you, I would eather go to a financial counseling service or a lawyer to get some help.Eather organization will be able to help you get a reduced amount to pay thus avoiding the garnishment of your salary. Good luck.


awaken_now
Rating
No but he can call a lawyer to perhaps get approval from the courts for a piece of your pay.


clmcmillon
Yes, they can. Some companies do this so that they can garnish your wages if you so not stay in contact with them.


john.janney
Rating
A debt collector (meaning, a third-party debt collector, not the original creditor) cannot call you at work if he/she knows that your employer disapproves of you receiving such calls. Also, the debt collector cannot disclose your debt to anyone else (except you and your attorney, if you are represented by an attorney in relation to the debt).

So, the key is to let the debt collector know that your employer disapproves of you receiving such calls at work and document that you told the debt collector (get debt collector's name, collection agency's name, debt account and note the time and date that you informed them).

If the debt collector calls your work asking for you and, in the process of trying to locate you, discloses your debt (the fact that you have a debt) to someone else or if the debt collector calls your work after he/she was informed of your employer's disapproval of such calls, then the debt collector may be in violation of the Fair Debt Collection Practices Act.

Check out the Federal Trade Commission's web page on fair debt collection. It explains this issue and many other fair debt collection issues.


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