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sjcredit | What are my rights as to constant phone calls and letters asking the same question from a creditor.? |
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scfd524
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on the phone calls, tell them to take you off of their list and after you've told them 3 times they can be sued for harrassment if they continue to call u. As for the letters, nothing you can do about that. Take 30 secs though and send back any return mail they send so the post office can have the money. |
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jojo
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If it is you that owes them money they will just keep phoning you. Unlikely they will take you to court too scared in case you declare yourself bankcrupt. Best to agree a small amount to pay per month on the condition they dont phone you Citizens Advice can help you draw up a contract Your contract can be as creative as you want if they are getting money they will agree to it.
If you dont owe them anything and it is a wrong number person no longer lives there tell them that straight you dont have to give them any information about you or the person report them to the BT for harrasement. |
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taketwo
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not much |
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oleurud
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If they haven't reported you to a credit bureau make arrangements to pay it off. Check your credit report after making arrangements to pay off and before you actually start paying. Get your 3 free reports at:
http://www.annualcreditreport.com
If they haven't reported you and depending on how much you owe you can send them very small payments and they have to accept it no matter what they tell you. Do all correspondence via certified mail or email if applicable. Try to keep telephone calls to the bare minimum because it's there where they are experts. After knowing for certain they haven't reported you send them "good faith" payment after letting them know you plan on making payments (this will hold them off) If you owe $500.00 send them $10.00 a month. If you owe $5,000.00 send $30.00 or more a month and so on (you get the idea). DO NOT discuss ANYTHING with them other then the money owed and what YOU decide YOU will pay a month (Like how much money you make). Where you work or any other idle personal chatter).
If they have already reported you to ANY credit bureau, you don't feeling like paying them or you don't owe them money, do the following:
Send certified /return receipt letter to creditor telling them to Cease and Desist all further contact via postal mail, email, phone and any other contact. Works every time and it's the law. If they contact you within 3 days of them receiving certified letter with the words cease and desist you can use the money you win in a lawsuit to pay the bill and have enough to pay all the rest too....Letter MUST be CERTIFIED/RETURN RECEIPT mail (go to post office). Letter MUST include the words CEASE and DESIST.
pay your bills before you get deep in cow poop |
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klo
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What are they asking?
Are they asking for their money back?
If you owe money they are within their rights to contact you.
If the debt is someone else who lived there previous, explain that they no longer reside there and they should leave you alone. |
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dishmal
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Most of what people have said here is incorrect. If you are in the US and you tell them to stop contacting (not calling, CONTACTING) you, they by LAW must stop contacting you. Debt collectors are bound by the Fair Debt Collection Practices Act which states:
"If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."
Make sure you send the request IN WRITING by CERTIFIED MAIL.
For examples of letters you can send for this and others go to the credit info center at http://www.creditinfocenter.com/. |
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adamk66usa
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You can write them a letter telling them not to call you anymore. Send a copy to the State's Attorney General, then register your phone number at: https://www.donotcall.gov/default.aspx
As for the letters....I'm not sure...but at least you can choose to open them or not. But at least write them a courtesy letter explaining your situation. |
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Mike10613
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Go to a Law centre - it can be considered demanding money with menaces - a serious offence. |
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notaclue
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I live in NYS and know that here credit collectors do NOT have any legal rights to harass you in any way! You tell them in writing not to contact you and then they are fair game for a lawsuit!
If they still don't understand english, report them to the FTC so they can pay fines along with their reprimands!
Whatever you do don't let them bother you. You are only responsible to the "initial creditor"-PERIOD!
A trick for the trade-- When they call, tell them you'll get the person they're calling for, then just leave the phone off the hook unattended. It destroys their ability on one of their prescribed lines!!!! Don't you just love it!!!!!!!!!!!! |
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flymetothemoon279
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depends what the question is? if u owe money you can go to the CAB for advice and atleast when they phone you are able to say that you have are waiting to take advice and will contact them when you have that advice and any further contact from them will be redeemed as harrassment. That will give you some breathing space for a short while and it will give you time to explore your options. |
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scallywag
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Contact the citizens advice bureau. There are some questions that you have a right to an answer and within a certain time frame. When next you send them the letter you should state within which time frame you expect a response and what your next line of action will be if they do not respond to you. |
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knowitall
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depends.
if you owe them they can call you once a day after that it is harassment.
if they are just trying ot sell you something aka telemarketing if you tell them to stop calling then they have to stop calling and you can sue |
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