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| *Ostroff, Fair and Company>>>Credit |
I keep getting harrassed by this credit agency. I spoke to them and told them that my debit was b/c of them... |
they were suppose to take money from a bank and the took it out from an old one and i told them to fix it the day it was supposed to be due and they said okay and they took it from the account that i had closed. Then we made agreements to pay a certain day and they screwed that up as well plus, they took money out on the wrong day. Now, after 2wks ago after speaking to them telling them I had no way of paying them. Because, I don't have the money to pay it. Not like its alot but when u don't have hours at a job u can't afford nothing. Anyways, their still calling up every 30 mins to 1hr from 8:30 in the morning til like 10 at night their calling. My mom tried to tell them it was harrassment and to stop calling. They still call! Plus, now their calling my cell phone. Its like its hard for them to send a letter out with what I owe them but they don't send **** out. What can I do to make them stop calling me? Should I report them to the FTC? First, let me start by saying document everything. First, draw up a timeline of the problems. Also, keep a pad of paper by the phone and write down the time they call. Before you report them, write them a letter and send it certified. Outline your issues and tell them that they may not contact you on your cell phone. You can even tell them that all communication needs to be in a written form. Below is a link to the FTC.gov brochure on fair dept collections. It outlines your writes, what to do if you feel they have been violated and how to file a complaint. http://www.ftc.gov/bcp/conline/pubs/cred... I would also contact your attorney generals office to find out if the collections laws in your state are even stiffer. You can also file a complaint there. Hope this helps. Under the consumer credit act you can instruct a creditor that you will not entre into any further corrospodance which will make it illegal for them to contact you by phone, email, fax or text unfortunately they can still contact you by mail. You must put this is writting, It always works the creditor wont keep calling after you've told them not to because they can lose their consumer credit license Pay them the money you owe them and jsut rid yourself of the hassle. Honestly any answer given here is not going to get you very far. We don't know or understand the whole situation, we don't know your credit history and how much you owe them (do NOT post that info). But, this is to be expected from a credit agency. I know for a fact that they wouldn't be harassing you if you had just paid off your bills on time to begin with, and blaming it on not having hours at work is no excuse, find a new job if you don't get work enough. You should not have credit cards/loans if you know you can't afford to pay them. They are only doing their job, there is no reason to take this to the FTC. You give out your information when you apply for a credit card/loan so that they can contact you if there is a problem, and not paying your bills is a problem. If you want them to go away, pay off the bill. You need to actually send them a letter. Under the Fair Debt Collection act, if you send them a LETTER requesting that they stop contacting you, they can't contact you unless it is to say there will be no more contact. They can only contact you between the hours of 8 a.m. & 9 p.m. your local time. If they are harassing you and calling numerous times throughout the day, you can file a complaint and even sue them. See the following info regarding that. 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. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. http://www.ftc.gov/bcp/conline/pubs/cred... Contact your state government- ie: my state has it's own branch of consumer protection-and I've contacted them a few times over harrassing creditors-and the creditor's always stop calling. If your own state can't help you-then go the the FTC. I wouldn't even bother sending the certified letter to the creditor-just go to your state's website and file a consumer complaint. And they can't call after 9 pm and they can't call on Sunday's-so if they;'ve done either right now they're in violation. And your state can make them submit records of everytime they've dialed your house. Beware though-it will hurt your credit by not paying them-and they can turn around and sell your account to another collection agency and the nightmare could start again from the beginning. |
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