Re: harrassment?
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Posted by CardReport.Com on February 21, 2001 at 23:45:49:
In Reply to: harrassment? posted by Barry on February 21, 2001 at 20:46:38:
The next time they call, directly and clearly
instruct them to immediately stop calling your
workplace. Get their mailing address, and send them a letter
stating that, as per the Fair Debt Collection
Practices Act, you want them to cease their demand
calls and messages. You may also want to send them a letter stating
that you dispute the validity of the debt (e.g.
it isn't yours, etc), and requesting that they
provide some kind of documentation. Tell them very clearly that you know that they will
be in violation of the FDCPA if they persist, and
that you will file a complaint with the Federal
Trade Commission. Also contact the credit bureau(s) that list the
deceptive date, and dispute the item. If you
don't believe that the debt is legitimate in the
first place, then say that. Otherwise, you may
wish to just dispute the date. If possible,
include documentation to get the bureau's attention.
Also ask them to provide the name and address of
anyone who returns a confirmation claiming that
the item is correct (in case that happens.) Check out our *Credit Problems* section (link is at
left) and read the Collection Agency FAQ (Frequently
Asked Questions) for general advice on dealing
with third-party collection agencies. There is
also a link there to the full text of the Fair
Debt Collection Practices Act. Our *Credit Overview* section has information on
obtaining your credit reports from all three
credit bureaus (in case you don't have them all.) Good Luck.
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