Jim Martin
Indiana,#2Consumer Comment
Mon, June 25, 2012
At this point, you need to be documenting everything, including the phone conversations. Get yourself a tape recorder and record the phone calls and everything that is said when the guy visits your house. Just make sure you get on tape that the other party acknowledges that the conversation is being recorded otherwise, it may not hold up in court.
The next time he visits and becomes abusive, politely ask him to leave your property. When he refuses, that is the time to call the police, while he is still there. Preferably, call close to the door he is standing at while yelling at you so the dispatcher can hear him.
As far as 10 calls daily, yeah, it sucks, but there is no law that prevents the original creditor from doing that. You can try changing your phone number, but eventually they will get it again, so this will only be temporary.
I do know that the customer support call center for the banking side of things is open 24/7, but I also know they different numbers for each little thing. You might try getting the number for one of the departments that are open 24/7. Then, the next time he comes over, call and let the agent who answers listen to how their own agent is treating their customers.
Now, to the part you're not going to like. All they are after is their money, that you agreed to pay them when you signed the loan agreement. None of what I have said above is going to change that. In fact, it may speed up the foreclosure process as they are now going to want to end their business relationship with you as soon as possible. Just remember, you are the one who defaulted on the contract, not them.