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Houston,#2Consumer Suggestion
Tue, October 22, 2002
First, advise the collection agencies in writing (fax or mail certified return receipt requested) that they cannot contact you at work. Second, get a tape recorder. When they call, tell them that you are recording everything. Or, even better, ask an attorney or local district attorney whether it is illegal in your state to secretly tape record conversations. It is legal in many states so long as you are a party to the phone call. You list numerous potential violations of the Fair Debt Collection Practices Act. If Tennessee protects wages from judgment or collections, then they probably cannot go after your employment income. At the same time, write Capital One (certified mail return receipt requested) cancelling your accounts.