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quick question about phone calls

Date: Fri, 08/05/2005 - 16:57

Submitted by imkimssister
on Fri, 08/05/2005 - 16:57

Posts: 1301 Credits: [Donate]

Total Replies: 2

quick question about phone calls


Hey! me again! I wasn't sure where to direct this question cause its not actually about collection agencies. BUT, can you tell an original creditor (account has never went to a collection agency) to stop calling? or is that just for collection agencies only??? I am a few days late on a payment and I have wrote and explained what was going on and what my intentions are. I gave them the whole plan...then I told them to stop calling me! YET they are calling ten times a day. And I know they have gotten my letter. thanks, shirley


Hi Shirley,

It's wonderful to see you back again :D

The same fdcpa rule applies to the creditors as well. You can send them a written notice requesting to stop calling you until the debt has been legally validated and before you start making payments. Endless calls will result in violation of the said law and enable legal action.

You know the rules. They are still the same. Certified mail with return receipt requested.

Hope to see you quite often. :D

Regards
Roxette


lrhall41

Submitted by roxette on Fri, 08/05/2005 - 17:49

( Posts: 4009 | Credits: )


Hi Shirley,

Dealing with original creditor is comparatively much easier than dealing with collection agency. One golden rule, do not talk to too many customer care people , talk to one person, take his name, next time someone calls up ask for the same person and explain the situation to the person.

If they go beyond control threaten them for not following the fdcpa, also negotiate for a better plan.

As I said just talk to one guy and also keep a Xerox of all written communication.

Need any other help, just let me know.
Tintin
A true Debt Samaritan


lrhall41

Submitted by BlogTintin on Fri, 08/05/2005 - 18:01

( Posts: 168 | Credits: )