Ok, I have 1 full time available job (40hrs week) to pay my living expenses. Two weeks ago I picked up a 2nd employment solely to pay down my credit cards. I haven't even get the first check! Well today an angry little man (Original creditor) called my work place and strained my boss. Is there any law for this? I told him not to call me in attendance and he said he has the RIGHT TO. Is this correct? Thanks
Answers: Might want to check and see if your state have it's own version of the FDCPA that includes the innovative creditor, as I know a few of them have done this.
Edit - You can also folder a complaint here, since they are the original creditor.
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you relatively by prohibiting certain methods of debt collection.
A collector may contact you within person, by communication, telephone, telegram,or FAX. However, a debt collector may not contact you at unreasonable times or places, such as in the past 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.
You may stop a collector from contacting you by writing a missive to the collection agency telling them to stop. Once the agency receive your letter, they may not contact you again except to voice there will be no further contact. An exception is that the agency may notify you if the debt collector or the creditor intends to appropriate some specific action.
The federal Fair Debt Collection Practices Act doesn't apply to inventive creditors, only to 3rd gala debt collectors.
As another poster has said, your state might hold a consumer protection law that govern how consumer debt is collected, which might apply to the original creditor.
Very fine lines that can be crossed here - I believe he's allowed to name your work to find you, but not identify him self as a debt collector, not say what company he's near, just that he's looking for you.
Look for bankruptcy/credit attorneys contained by your area, one probably have a free consultation and may be able to specify what IS and IS NOT bent (some also are like personal injury attorneys - they charge a cut of what your awarded.)
Tentatively, procure the correspondence address for their collections department and send them a epistle stating to cease and desist adjectives communications EXCEPT through the US Mail. Specifically cite that you wish them not to hail as you at home, not to call your neighbors (yes, they do!), and not to phone up your work.
They have to honor this request, I recommend inquiring online for a template of the letter.
DO NOT notify them to COMPLETELY cut off communication, you're departing them no choice but to sue you, leave them the hole to send you collection litter in the communication.
No he doesn't have the right to if you told him not to phone call your work!
call them up and ask to speak to a supervisor.
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Answers: Might want to check and see if your state have it's own version of the FDCPA that includes the innovative creditor, as I know a few of them have done this.
Edit - You can also folder a complaint here, since they are the original creditor.
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you relatively by prohibiting certain methods of debt collection.
A collector may contact you within person, by communication, telephone, telegram,or FAX. However, a debt collector may not contact you at unreasonable times or places, such as in the past 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.
You may stop a collector from contacting you by writing a missive to the collection agency telling them to stop. Once the agency receive your letter, they may not contact you again except to voice there will be no further contact. An exception is that the agency may notify you if the debt collector or the creditor intends to appropriate some specific action.
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The federal Fair Debt Collection Practices Act doesn't apply to inventive creditors, only to 3rd gala debt collectors.
As another poster has said, your state might hold a consumer protection law that govern how consumer debt is collected, which might apply to the original creditor.
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Very fine lines that can be crossed here - I believe he's allowed to name your work to find you, but not identify him self as a debt collector, not say what company he's near, just that he's looking for you.
Look for bankruptcy/credit attorneys contained by your area, one probably have a free consultation and may be able to specify what IS and IS NOT bent (some also are like personal injury attorneys - they charge a cut of what your awarded.)
Tentatively, procure the correspondence address for their collections department and send them a epistle stating to cease and desist adjectives communications EXCEPT through the US Mail. Specifically cite that you wish them not to hail as you at home, not to call your neighbors (yes, they do!), and not to phone up your work.
They have to honor this request, I recommend inquiring online for a template of the letter.
DO NOT notify them to COMPLETELY cut off communication, you're departing them no choice but to sue you, leave them the hole to send you collection litter in the communication.
Credit card sound out, any assistance?
No he doesn't have the right to if you told him not to phone call your work!
call them up and ask to speak to a supervisor.
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