Robert
Buffalo,#2Consumer Suggestion
Tue, July 31, 2007
Read the law completely, especially the DEFINITIONS section at the beginning of the law. Cash Call is a CREDITOR (money lender) not a DEBT COLLECTOR and the provisions of the FDCPA do NOT apply to them when they attempt to collect. If CC were to hire a collection agency to collect the debt, the collection agency would fall under the FDCPA.
Jerry
Glenside,#3Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do. Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe. Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it. Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know. There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help: 1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act. 2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5. 3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail. Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices. Hope this helps, and good luck.
Jerry
Glenside,#4Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do. Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe. Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it. Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know. There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help: 1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act. 2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5. 3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail. Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices. Hope this helps, and good luck.
Jerry
Glenside,#5Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do. Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe. Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it. Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know. There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help: 1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act. 2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5. 3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail. Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices. Hope this helps, and good luck.
Jerry
Glenside,#6Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do. Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe. Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it. Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know. There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help: 1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act. 2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5. 3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail. Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices. Hope this helps, and good luck.