Steve
Bradenton,#2Consumer Suggestion
Wed, December 13, 2006
Regardless of what Angel the debt collector tells you, you NEVER answer a call or speak to any debt collector on the phone. There is no legal record of the call, and that is how the collectors like it. Put EVERYTHING in writing by the means above. then when they violate your request, you put an easy $1000 in your pocket. Debt collectors are so lazy and stupid, they expect you to do their jobs for them. Always make it as hard as you can on these morons. And, hold them accountable every chance you get. Don't get mad, GET PAID!
Angel
Phoenix,#3Consumer Suggestion
Wed, December 13, 2006
Instead of going through the hassle of doing what Steve implies, heres a suggestion. Collection agencies use different resources to collect contact information for the debtors they are trying to reach. Some times they come across people with the same name, or address, so they input any number that is a possible match to the person they are trying to reach. Whether its a relative number, or whatever the case may be. My suggestion is to answer the call next time, see who it is they are looking for. Most of the time it will be a wrong number. If thats the case tell them its a wrong number and to remove it. There are times where we reach the person who we wanted to, only to find out that the account is fraud and the person had no idea.
Steve
Bradenton,#4Consumer Suggestion
Thu, December 07, 2006
Richard, This is very simple to fix. And Don is right, debt collectors are not included in the provisions of the DO NOT CALL list. This list ONLY applies to TELEMARKETERS. All you have to do is write one letter as per your rights under the FDCPA. It is called a CEASE COMMUNICATIONS request. Send this by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This is very important, as it proves WHAT you sent. Now, when they call you again, you sue them for up to $1000 plus costs as provided for under the FDCPA. Also go to ftc.gov and file a complaint, and go to whocalled.us to find out who the number belongs to, and file another complaint. Send your letter to: Allied Interstate, Inc. 435 Ford Rd. #800 Minneapolis, MN 55426-1066 Phone: (952) 546-6600 Fax: (952) 595-2311 Web Address: www.irmc.com
Don
Belleville,#5Consumer Suggestion
Thu, December 07, 2006
Actually, collection agencies are not part of the Do not call list for the loophole you mentioned. And they can call constantly, until they make contact with you. IF you do not answer the phone and they don't leave a message, they have not made contact, and they can try back. Try answering the phone and waiting. You may find out that they are not looking for you (as the collector might find out too), and the calls might stop. You could also send a cease calls letter to them.