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Collection Agency Harassment
Posted: Fri Feb 15, 2019 8:44 am
by stopnswop2
Is a collection agency calling every 2 hours a violation of FDCPA?
I have never seen someone so determined to get 68 dollars before. Like ffs
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 10:40 am
by craig11152
If you owe it and its only $68 why not pay it?
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 10:44 am
by stopnswop2
As I've stated before, I had to leave all 3 of my jobs due to medical issues and I have no income.
I can't grow money.
And applying for SSD has been a nightmare, so do not mention that.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 11:47 am
by Deleted User 14888
Do a go fund me, Seems like everyone is doing it today, Not trying to be funny but it’s worth a shot. As far as SS Disability goes good luck, My Niece has been fighting for hers for over 3 years now and finally she has a hearing date in April, And she’s still not sure if she’ll get hers. Oh, she has an attorney and it’s taking this long, but again Good Luck!
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:16 pm
by craig11152
stopnswop2 wrote: ↑Fri Feb 15, 2019 10:44 am
As I've stated before, I had to leave all 3 of my jobs due to medical issues and I have no income.
I can't grow money.
And applying for SSD has been a nightmare, so do not mention that.
Put a call blocker app on your phone...its free.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:26 pm
by stopnswop2
I know I can do that, I actually have a built in one and I have blocked it. I can still see the calls that were autoblocked. I'm just curious if calling every 2 hours would be classified as harassment or not.
The FDCPA guidelines aren't specific.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:27 pm
by zzand
You should be able to google your answer but in general they are allowed to leave one message daily and one other attempt to talk to you directly. That all depends on if it is 1st, 2nd, or 3rd party collections....Again, google will have the exact information.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:27 pm
by stopnswop2
Oldies 84 wrote: ↑Fri Feb 15, 2019 11:47 am
Do a go fund me, Seems like everyone is doing it today, Not trying to be funny but it’s worth a shot. As far as SS Disability goes good luck, My Niece has been fighting for hers for over 3 years now and finally she has a hearing date in April, And she’s still not sure if she’ll get hers. Oh, she has an attorney and it’s taking this long, but again Good Luck!
Good idea!
I should try and make one. Thanks!
Oh good, glad she finally is getting a hearing : )
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:29 pm
by stopnswop2
zzand wrote: ↑Fri Feb 15, 2019 12:27 pm
You should be able to google your answer but in general they are allowed to leave one message daily and one other attempt to talk to you directly. That all depends on if it is 1st, 2nd, or 3rd party collections....Again, google will have the exact information.
I literally just said I know the FDCPA guidelines.
They don't specify the number of calls a day.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 12:51 pm
by zzand
I was typing when you posted that...Simple question. Is it an agency or the actual company that is calling you?
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 6:24 pm
by stopnswop2
It's an agency calling
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 7:47 pm
by craig11152
So an agency bought your debt at a discount and now they want to make their money. I can have some sympathy for your situation but if you owe and can't pay view annoying calls as interest on your debt.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 9:47 pm
by zzand
Ok, an agency, according to my oldest who runs a loan portfolio for a major bank and deals with collections, they can leave one message a day and continue to try and make contact with you in person. so while annoying as hell it is barely within the rules. If they do break the collection rules you do have recourse.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 9:49 pm
by stopnswop2
Every 2 hours is way more than once a day. Lol.
Re: Collection Agency Harassment
Posted: Fri Feb 15, 2019 11:01 pm
by Deleted User 8570
stopnswop2 wrote: ↑Fri Feb 15, 2019 9:49 pm
Every 2 hours is way more than once a day. Lol.
Define “day”...
