bill collector calling everyday.told when i would make mayment. how to stop the calling?
414252
The previous answer is untrue. \nAs per the Fair Debt Collection Practices Act, if you TELL them to cease and desist from calling you, it is usually sufficient. If not, you'll need to put your request in writing, and you're well within your rights to do so. If you owe them money, that's one thing, but they don't have a right to call and harass you. Continued calling after you've advised them to stop constitutes harassment.\nIf you still have problems, even after putting your request in writing, contact the FTC.\nI pray that your financial situation improves, too. :)
81174
I'm not sure that there is a legal limit as to how many times a day creditors can call you, however, I used to work at Verizon. What I know is that they aren't "technically" allowed to call you before 9:00 a.m. or after 9:00 p.m. and supposedly not on Sundays. My experience with my Mortgage company has been totally different. They've called me on Sunday mornings before 9:00 a.m. before. If I'm one day late with my payment, they call me all day long. I've threatened reporting them, but they don't care. So now, I just answer my phone with my business name, and if I'm a little late with a payment, they think they have the wrong number. When they ask for me, I just tell them that "this is a business, and I don't know who 'she' is." That helps alot, trust me! I think if we all start reporting these people, they just might start adhering to the regulations. One other thing that is good to know, if your friend has a residential line, there is an 800# you can call to be put on the national "Do Not Call" list. Unfortunately, bill collectors have rights to call, but they aren't supposed to go outside of their boundaries to do so. Business line customers can't get on the list, however, because they are at an advantage to advertise any time they make a call, because of the caller-id feature.\n\nI don't know why the times showed up as *, but the the times are nine o'clock.
352732
More info needed to answer that, but which ever one your having a problem with call the company and demand a bill showing all of your transactions...Lady
414167
Just make sure you are polite in case they monitor your calls and you do all the things you have to do.  Then ask if there is anything else you could help with and when they say no you say, thank you sir and you have a nice day.  That will let them know that you are done with their call while still being polite.
93617
I can tell you from experience, bill collectors will call at any time and any day. \n\nCall them back and advised them you paid it. If there's a question about that, let them know you will send them a copy of the check once it has cleared (if it hasn't yet).
225722
You tell them, and send a letter, that you will report them to the to the Federal Trade Commission (FTC). You have rights. You can take action to stop the abuse. The links are to the FTC and their complaint form. Please check it out to learn about your rights. Good luck.\n\n"Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights."
1007253
Under federal (and most state) laws, they cannot call you except Monday -Friday (Saturday in some states) between 8am and 7pm (the time varies a little bit, but never before 8 am or after 8 pm). They cannot call you on Sundays or Holidays, they cannot call your place of employement (or school), they cannot call your friends, relatives, coworkers, or boss (unless any of them were listed as references on a credit application). They cannot come to your home, your work, your school, nor are they allowed to contact you in person in anyway. They are only allowed to contact you by mail or phone. They cannot threaten you in anyway, cannot use vulgar/course/ obscene language, they cannot threaten to get you fired, kicked out of school, thrown in jail, take away your possessions, tell your friends/ relatives, force a relative to pay, or have you arrested. Also, you can tell them on the phone (some states require it in writing) to stop contacting you, and by law they have to. If they continue to contact you, they could be sued, and loose their business license. There are many laws(both federal and state) to protect consumers from over zealous collection agencies. Call your local better business bureau or consumer credit counseling agency for advice on how best to deal with the problem.\n\nAnother idea- if they keep bothering you, get a police style whistle or a hand held boat horn (you can get both at most sports supply stores, outdoor stores, Walmart, K-Mart, Target and Shop-Ko). Blow it into the phone every time they call. They will stop calling, believe me.
978278
It depends on the company.  If it's a collection agency, they have the right to call you, just not early in the morning or late at night, or at work.  \n\nA company has the right to call you if you have previously done business with them (the do not call list does not apply here).  However, they do not have the right to keep calling after you have requested that they stop.\n\nIf it's a telemarketing call, and you have requested them not to call you, you can file a complaint by e-mail (donotcall@fcc.gov), telephone 1-888-CALL-FCC (1-888-225-5322) , or mail at \nFederal Communications Commission\nConsumer & Governmental Affairs Bureau\nConsumer Inquiries and Complaints Division\n445 12th Street, SW\nWashington, DC 20554
285151
Call the company, and be firm.  \n\nI warn you.  They'll try to persuade you to keep the account. I argued with one "representative" for nearly 15 minutes.  I grew more angry over the length of the call, and (sorry) began a bit of profanity towards him/her.\nAlso, write a letter (and keep a copy of it).  Keep it brief and simple.\n\nExpect your request to be satisfied immediately.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
701810
Check the "THE FAIR DEBT COLLECTION PRACTICES ACT".\nI had to do this once to a creditor harrassing us for a bogus debt. Harassment and threats are against the law. Send them a letter telling them to stop and threaten to copy your local consumer protection agency and better business bureau. They are in violation of federal law so trust me, they will stop.\nAlso, I can't remember where I found it, but somewhere on the internet is a sample letter you can even use and tailor it to fit your exact situation. Good luck.
239789
Call your service provider and complain, complain, complain until they listen to you and get it off.  If you did not accept then it should not be on your phone bill. COMPLAIN, COMPLAIN, COMPLAIN
1142080
Place an ad on an online directory ASKING them.\n\n"Are you fed up with your current billing service?"\n\nTry here:\nhttp://dmoz.org/Business/Financial_Services/Medical_Billing/
249515
Instead of getting a subpeona for your records, why not just ask for a duplicate copy of your bill from that month to be sent to you for records purposes.  It will list all your calls on the register.\n\nHowever, getting your phone records probably won't help.  Just because you called doesn't mean that you discussed that particular issue.  And even if you know specifically who you talked to, it doesn't mean she will remember you - service reps can sometimes talk to a few hundred people a day on a variety of topics.\n\nI've seen cases where people claim they were told one thing by their insurance company verbally and they sued unsuccessfully, because ultimately it is your job to know your own policy contract as it is written.
641632
i have the same problem... just don't max it out in a day... the trick is to pay it off each month... that way you don't get charged interest.
866985
Section 805 of the federal Fair Debt Collection Practices Act states:\n 805.  Communication in connection with debt collection   [15 USC 1692c]\n\n(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- \n\n(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location.\n\nSo, if the person is a debt collector (which usually DOES NOT include a person collecting their own debt), they can call between 8 a.m. and 9 p.m. under federal law.  Notwithstanding, there may be other harassment or other state laws that could apply to your situation.\n\nThere are many specialized debt collection practices attorneys who work for debtors to stop / prosecute harassing behavior of debt collectors.  Many of them will take your case.  Contact the Texas bar and ask for a referral.
791187
I had the same thing happen in August.  We went camping, had no cell service and had to use a pay phone to call home and check-in with the house sitter.  We made 1 collect call and had my brother in law call us right back.  That phone call cost me $23.  When I got the bill in Sept. I almost fell over, I couldn't believe it.\n\nI just paid it and chalked it up to a lesson learned.\n\nAnd the lesson learned is always carry change, or a credit card you can charge the call to.  Sounds stupid to charge a phone call, but I doubt it would have been $23 that way.\n\nHope this helps, and it doesn't sound stupid, it happened to my dad also.