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By harrassing you, it can only be assumed that they are calling you multiple times per day. Or, that when they call you they are making outlandish threats against you, your family, and all of your personal safety. Or, that they are coming to your place of employment and pointing at you to identify that they are trying to collect a debt from you.
Unless you can show evidence that this agency is in violation of the FDCPA, and your state's collection laws, then no. The contact will stop only after you have paid the debt off, or seven years from the date of your last payment (in this case probably the resale of the repossessed car) has passed, or in the event the lender sues you ten years have passed from the date of the judgment, or in the event the lender got an extension from the courts on the judgment tenty years from the original judgment date has ellapsed. Pay the outstanding amount that you contracted to pay, or keep getting phone calls.
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How do you stop repo company from harassing?
You cannot stop the repo company from harassing you unless you pay your bill. The only thing you can do is try to ignore them.
Can a collection agency garnish wages for debt for repo after 9 or 10 years in the state of Arkansas. What is the statute of limitations?
yes it is an option for them
When does a reposession affect your credit score?
it will be on there as soon as the order gets sent to the repo company, they are the collection agency. after they repo ur car and it gets sold at auction ur credit score will change .
Can you stop some one from calling from a voluntary repo car from 1999?
Are you talking about a collection agency? You need to consult an attorney on this, as statutes of limitations vary by state.
If you had a balance of 189 dollars on your Ford account that was paid to a collection agency when it was discovered 2 years later then Ford went and reported it as a repo to the credit bureaus is this legal?
Jose. DID they repo the car?? If not, I dont see how it could be correct. Was this vehicle a repo at the time and were you paying the remaining balance to the collection agency or was the account a charge off? I am assuming that you are refering to Ford Motor Creit which I used to collect for. In most cases a 3rd party collection agency will purchase the account at pennies on the dollar or the account will be placed with a fee once the account is collected. It is the collection agency responsiblity to update the creditor of payments and in some cases update credit reports. Also it is a good idea to get a confirmed paid in full letter and to send it to the original creditor to make sure they update your credit report correctly.
Is it legal for a repo company to call your job and tell your employer your business?
Under the Fair Debt Collection Act the only information that a creditor is allowed to give anybody else is their name, and telephone number. If a repo company, which is a collection agency, gave any other information then you should consult an attorney and sue them.
Can a repo agency contact your employer and slander your name?
yepAKA, the Fair Debt Collection Practices Act, nope.All a repo agency (or any other debt collector) can do is verify your employment and location. They CANNOT reveal ANY debt information (much less their intent to repo your vehicle) or even insinuate that you HAVE a debt. For more info on what a debt collector can and can't do, take a looksee at: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf If a repo agency DID slander you to your employer, please take the time to complain about them ... they have invaded your privacy and stomped on your rights!!
If a few payments were made to a collection agency for a repossession after the fact will the repo come off of the credit report 7 years after the repo or 7 years after the few payments were made?
The report will be removed 7 years after the date of the last on time payment to the original creditor.
Can a repo company garnage your paycheck?
The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..
Are there any extra fees after a car repo?
Many. Collection costs, storage, repo fees, etc.
Can they repo your car in you are in another state?
Yes. However, the agency conducting the repo needs to be licenced to operate in the state you are in.
What options a person have to try and get the bank to work with them on the balance of a voluntary repo?
YOU HAVE TO CONTACT YOUR LENDER AND SEE WHAT THEY ARE WILLING TO DO. MOST WILL DEMAND FULL PAYMENT AND SELL YOUR NOTE TO A COLLECTION AGENCY AFTER YOU DO NOT PAY WHO WILL IN TURN GET A JUDGEMENT AGAINST YOU
