Loophole for debt collectors to harass the debtor's family
November 11, 2010 3:50pm CST
If you are familiar with the law, you can write a letter to prevent those debt collectors' calls, and they have abide by the law, and stop calling you. That is called "fair debt collection act". But those debt collector can call your sister or brother constantly, unless there is a law in your state to prevent them as some sort of harassment. I heard my friend said this lady got a couple of automatic calls, stating such and such owe their money, and how much such and such person should pay. That lady's sister might have owe the credit card debt, and she just call to stop all those automatic calls. They agree will get her phone number off the list. A week past, they called again. Should calling the state attorney to regard this matter would help I also wondering. Some people say that is useless, unless she change her phone number. What do you think?
1 person likes this
12 Nov 10
The best way to stop the harrassment is to face the music. Go and tell them your problem. Reason with them that you will settle your debt in due time. No matter how many times they haunt or harrass you, but if you are still unable to make payment, then nothing good will happen. Just face them. Talk to them.
12 Nov 10
This is a good law but not everyone might be aware of it and end up getting trapped into the wrong situation. I know debt collectors are not very good in behaving when it comes to visit home and ask for money. They do their job and just have a single goal of getting the money back from the customer, everything else is least priority. There are other laws about many other things but because of not knwn to all, institutions or other bodies take advantage. We should be aware of basic law in the country or state.
11 Nov 10
I really think that the practices from debt collectors today is unlawful and should be reviewed by the courts.These debt collectors call all hours of the day and night and even at illegal hours like 2 or 3 am in the morning when you are fast asleep.They try to scare you saying things like you will be taken to prison or will have someone come to your home and reposes all of your stuff.I really hope something is done to stop this illegal practice and that this kind of rude obnoxious tactics are stopped.
• United States
11 Nov 10
Changing your phone number only seems like a quick fix. They find the new number sooner or later. A lot of those debt collectors only call to confirm that someone will answer. They don't respond sometimes when you do answer. A good friend of mine had the experience of the calls increasing after answering the phone one afternoon. Most of the time she leaves it off the hook.