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No. They can't do anything about it. Usually if you wan't to avoid them just don't answer the phone. The only thing that is hurting will be your credit. I would advise you try to rebuild your credit and work with them somehow. You can't do anything financially without credit.
What else can I help you with?
What are the best methods in dealing with debt collectors?
There are several approved methods for dealing with debt collectors. One method is to set up a payment schedule with the collections agency. Another is to hang up and change your name and phone number.
How can debt collectors affect your credit score?
Debt collectors can affect your credit score by reporting delinquent accounts to credit bureaus, which can lower your credit score. This negative information can stay on your credit report for up to seven years, making it harder to qualify for loans or credit cards in the future.
Why would a debt collector representing an apartment complex inform you of your Miranda rights?
Scare Tactics OnlY... Just hang up. * Intimidation tactics by creditors/collectors are a direct violation of the FDCPA. Violators should be reported to the justice department of the state attorney general's office in the state where the consumer resides.
Limit to how long collectors can legally collect your debt in Ohio?
In Ohio, the statute of limitations for collecting a debt is typically 6 years for written contracts and 4 years for oral contracts. After this time period has passed, creditors cannot sue you to collect the debt, although they can still attempt to collect it. It's important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) to ensure collectors are following legal guidelines.
Understanding How the Fair Debt Collection Practices Act Protects Consumers?
The Fair Debt Collection Practices Act (FDCPA) was first enacted in 1977 to protect consumers against certain debt collection tactics. This goal of the FDCPA is to keep debt collectors from deceiving, harassing or taking advantage of consumers. While this law does not cover business debts, it does cover all personal debts, like credit card debt, medical bills and auto debt.What Debt Collectors Are Forbidden to Do Under the Fair Debt Collection Practices ActUnder the FDCPA, debt collectors must send consumers a written letter within five days of first initiating contact by telephone. This letter must contain specific information, including the balance of the debt, who is currently pursuing the debt, and the original creditor. The initial letter must also let the consumer know that he or she has 30 days to dispute the debt or request validation.The FDCPA also prohibits when and how a debt collector may attempt to collect a debt. Debt collectors are allowed to send written correspondence, call, or visit a person's home or place of employment. Phone calls and visits must be limited to the hours between 8 a.m. and 9 p.m. However, debtors can forbid debt collectors from contacting them at work if it puts their job in danger. Collectors who ignore such a request are violating the FDCPA.Debt collectors are also prohibited from threatening or harassing consumers. A debt collector cannot threaten a debtor physically or threaten to tell others about the debt. Collectors may not use offensive language, lie or contact a consumer excessively. Calling several times a day is generally considered excessive.How Consumers Can Fight Back Against Debt Collectors Who Violate Their RightsIf a debt collector has violated the terms of the FDCPA, consumers can take action. Debt collectors that violate the law can be sued within one year of committing the illegal action. Consumers who intend to sue a debt collector might need to seek legal representation to help them prepare their case.If the consumer wins the case, he or she may receive up to $1,000 to cover lost wages or other expenses. The debt collector will also be forced to reimburse the consumer's court costs and legal fees. While this will not void the consumer's debt, it should help the consumer repay the delinquent amount.
Stop collection calls?
There is a home phone module invented by an attorney that is named DAAN. Once you plug it into your home phone jack; simply answer the calls and push the star* key and hang-up. If you would like more information you can find it here. http://www.creditalliancegroup.net/daan.html Hope this helps. >>>>You may stop all collection calls from debt collectors by informing them that their calls are inconvenient. In fact, you may simply inform them that all telephone calls to any telephone number regarding this debt are inconvenient. A verbal notice may work sometimes, but many debt collectors will continue to call until a written demand is received. For more information, you may find out about your rights under the Fair Debt Collection Practices Act.
What is the simple present or past or future tense of the word hang-up?
I hang up; he hangs up. I hung up; they hung up. I shall/will hang up; you will hang up.
What times of day can a creditor call you?
usually its between 8am to 9pm in your time zone but look up the fair debt collcection act and it will live you a list of things collectors can and cant do.
When do you hang up kony posters?
you can hang them up when ever you like but the night to hang them up is April 20 :)
When was Hang You Up created?
Hang You Up was created in 2011.
Can telemarketers hang up?
Yes telemarketers can hang up. Have you ever wondered when you say who they want isn't there, they hang up.
Can payday loan company sue?
Yes, however, the company is not likely to do so. Payday loans are generally less than $2,000 so most payday lenders will not go to the trouble to sue someone. However, what they may do is sell the bad debt to a collector and that collector may be willing to come after the debtor as collectors are set up for recovery via the legal system.
