0
I had a collector harrassing me so I was ready for him when I returned his call with a digital recorder in hand. I simply played dumb and let him hang himself by violating the fair debt collections act several times. I acted stupid and scared to death and he took advantage of that and said he would call my job, he knew where my sisters and parents lived, to which I asked..."What are you going to do to them", He said"Pay your debt and you wont have to wory about it now will you? He asked if I was just plan stupid or what? All the while I had the recorder catching every word! The next day I called the company and played the recording for the person who answered and asked if she could please connect me with the president of the company's office. She did, I played the recording for her assistant who then put the president on and after listening ask "Sir...What do you want? I said My debt they had harrassed me about paid in full, $1000.00 and the man fired who I had recorded so some poor person who didn't know better would not lay awake worrying over him making the same type threats. That afternoon at 4 oclock I picked up a check for 1000.00 a paid in full reciept for the dept and an assurrance that as of 20 minutes ago the employee no longer was with the company! This is America folks! Don't let these jerks bully you around. Go to Walmart and by a 15.00 recorder.
Wiki User
∙ 16y ago
Add your answer:
Earn +20 pts
How do you know if you are sent to collections?
A debt collector has to attempt to send a letter within 5 days of placement. Are you having a difficult time with a debt collector? Ontrack Financial Group llc Https://OntrackFinancialGroup.com
What states are non spousal states for debt collections?
There are at least 5 states where a debt collector is prohibited from speaking to a spouse: Iowa, South Carolina, Massacgysetts, Pennsylvania, and Connecticut. With Iowa there is an exception, however. If the debt collector is initiating contact then they can't speak with them but if the spouse is initiating contact they can.
What is the duration of The Debt Collector?
The duration of The Debt Collector is 1.82 hours.
Does a debt collector have the right to contact you at any time of day or night?
No, a debt collector cannot contact you at unreasonable times. They are generally restricted to contacting you between 8 am and 9 pm, local time. If they contact you outside of these hours, they may be violating the Fair Debt Collection Practices Act.
When was The Debt Collector created?
The Debt Collector was created on 1999-06-25.
When was The Debt Collector - novel - created?
The Debt Collector - novel - was created in 2007.
What happens when your credit card debt goes into collections?
The collector will act as an agent for the original creditor and follow their prescribed collection procedures, usually mail and phone contact. There is no specific length of time that a collector will pursue an account before deciding IF it should be referred to a collections law firm or attorney for legal action.
If a debt collector is representing the same bank you have your account with can they freeze the account?
Sure - the operative word here is "debt collector" ... they can and will do anything within the law to make certain they are paid.
Can a 400 bill that is unpaid affect your credit report even if you make payment arrangements with the debt collector?
Yes, especially if the arrangement is with a debt collection agency and not the original company. That you're paying the bill is good, but the history of having trouble paying it and the bill going into collections will be reported on your credit history.
What is difference between a charged off debt and written off debt?
In most cases there is none. Charge off and written off are terms that indicate the debt is being removed from normal account action and sent to collections. Only when a debt is "forgiven" by the original lender or collector is it considered no longer collectible.
When can a debt be turned over to collections?
Anytime after a debt is overdue.
How do you get a debt collector to stop calling?
"If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter - even if you don't think you owe the debt, can't repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don't want the collector to contact you again, tell the collector - in writing - to stop contacting you. Here's how to do that: Make a copy of your letter. Send the original by certified mail, and pay for a "return receipt" so you'll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt. "
