Steve
Bradenton,#2Consumer Suggestion
Fri, March 27, 2009
Jane, First of all, you miscategorized your post. This is NOT a "civil rights" violation! There is a category for debt collections here on ROR. Proper category selection is essential for others to be able to find your post and it will be with other debt collections offenders. Second, STAY OFF THE PHONE!!! Never speak to any third party debt collector on the phone!! Third, NEVER use those debt management / debt consolidation companies! You WILL be sorry. They cannot do anything for you that you cannot do yourself. They have no legal authority and most creditors will not even deal with them. Many will not even pay off your debts and you will still end up being sued and get your wages garnished. Finally, read the FDCPA and learn your rights. You have the right to CEASE COMMUNICATIONS with any third party debt collector. This is FEDERAL LAW. One written request by certified mail is all it takes. Then you can get paid if they violate your request. Knowledge is power. Get some of each.