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If anyone is still reading this post, this question is on the originating loan, not a 3rd party collector. All the laws that are being quoted only apply to the 3rd party, so we still need info on laws for the originating company harrasment calls.
This was addressed several times already.
Quote:
Originally Posted by Willy702
There is nothing legally wrong with asking someone for money and doing it often. Sad but true. They just can't call outside 8am to 9pm. What most collectors realize is calling every 10 minutes will not get them a collection faster.
Not necessarily true. Repeated calling could fall under the harassment section of the FDCPA, it's just up to a judge/jury to decide when a debt collector has crossed that line.
I was wondering the same question, but reading the thread, there are a lot of snobby people on here acting as though they've never needed some assistance. Just because you owe a debt for WHATEVER reason (widowed, loss of job, injury, etc) it doesn't give collection companines the right to harrass you. And for all of you with the attitude, "you owe the debt just pay it, its your own fault" you might want to pray to whatever God you believe in that tragedy NEVER strikes you, and you fall behind with any of your bills. Because its already tough, and on top of whatever hardship you are experiencing, you add a debt collector calling up to 7 times a day... THAT DOES MAKE YOU A VICTIM. Some of you need to get over yourself and realize if you ALWAYS have the ability to pay your bills, thats a blessing. Don't look down on those who don't.
It is not legal for them to harrass you. Google "The Fair Debt Collection Practices Act", and it will explain your rights. there are laws agains harrassment to collect a debt.
The FDCPA does NOT apply to original creditors; it only applies to third party debt collectors. The woman's car company can call her all day long sol ong as it's not harassing (ie: back to back to back calls)
Surely BE. there has to be some kind of "app" you can use on your smartphone that will catch calls you dont want....Surely there is..Sometimes I tell people that Im sorry but I have a strict rule about not talking business with any person I have NOT met in person before...and thank them for calling but rules are rules....lol
As others have noted, an original creditor is not a debt collector and is not governed by the Fair Debt Collection Practices Act ("FDCPA"). Approximately 15 states have enacted consumer collection laws which govern collection practices of original creditors as well as debt collectors.
For example, the Florida Consumer Collection Practices Act ("FCCPA") places some limitations on how often "any person" can call while attempting to collect a consumer debt. For more information on how often *debt collectors* can call consumers :
[url]http://bit.ly/2GgB6pU[/url]
These cases and principles may help if your *state* has a collection practices act which applies to original creditors.
As others have noted, an original creditor is not a debt collector and is not governed by the Fair Debt Collection Practices Act ("FDCPA"). Approximately 15 states have enacted consumer collection laws which govern collection practices of original creditors as well as debt collectors.
For example, the Florida Consumer Collection Practices Act ("FCCPA") places some limitations on how often "any person" can call while attempting to collect a consumer debt. For more information on how often *debt collectors* can call consumers :
I expect that the debt has either been paid since 6 years have elapsed since the last post, or the OP has been thrown into debtor's prison.
The US doesn't have debtor's prisons.
Granted, some people are jailed, but the reason they are jailed is contempt of court, for disobeying a judge's order to appear at a Debtor's Exam, and not for the debt itself.
Granted, some people are jailed, but the reason they are jailed is contempt of court, for disobeying a judge's order to appear at a Debtor's Exam, and not for the debt itself.
I'm pretty sure the previous poster was being facetious.
I'm pretty sure the previous poster was being facetious.
Thank you for being observant.
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How Often Can *Debt Collectors* Call
