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simchaland
2011 Jan 19, 7:44am
You can do something about this. They are only allowed to contact you once per day and only between the hours of 8am and 9pm, I believe. Go here to UCAN and send them a letter that informs them to stop harassing you. It's against the law and they can be sued for this behavior.
UCAN will also help if you contact them directly, I believe.
Bap33
2011 Jan 19, 10:29am
sim,
does that law go internationally? I ask for my worker who is under attack by India based collectors. (he should be under attack, but that's another story - lol) They are very aggresive.
When I was 17 or 18, Capital one gave me my first credit card. I used it for a while and then they stopped mailing me the bills. Of course, I didn't pay then. Four months came by and then I got lots of harassing calls. The balance owed was approx $700 and they settled for $350 or so. I was willing to pay the full $700. They never docked my credit.
You could get a telezapper. These calls are all computer generated. The telezapper creates the disconnected line tone when you pick up the phone. Once the dialing computer hears this tone the call is terminated and the number is almost always deleted from the database. At the very least they will have to do a lot of manual work to get at you. I always use one whenever I live in the states.
simchaland
2011 Jan 21, 6:01am
sim,
does that law go internationally? I ask for my worker who is under attack by India based collectors. (he should be under attack, but that’s another story - lol) They are very aggresive.
Bap, if the company is based in the US and issuing credit to US Citizens, then it has to follow US law. I don't think it matters from where the calls come. I think what matters is where the collection agency is based. If the agency has outsourced to India, they still have an obligation to follow US law, as far as I know.
There could be a loophole here. I wouldn't be surprised. The big guys (The Big Banks who are really just loan sharks these days) have the rules so stacked against we the "little people" that we have to defend the few rights we have very aggressively in this situation. If the elite in the USA had their way they'd bring back debtor's prison and chain gangs to "work off the debt" owed to them.
Not only have the financial elite sucked all the wealth out of the economy snatching it away from the middle class, but they have paid off all of the politicians in any party to stack the deck against the middle class or "debtor class" such that we are mere slaves of the Elite Aristocratic Plutocracy that runs this country.
The few rights we still have must be defended aggressively or those too will soon perish.
Who does the newer bankruptcy laws favor? It most certainly isn't the middle class.
After five years and a flawless payment record, Capital One credit cards canceled my credit card. I was left owing $70. I have been harassed with literally hundreds of phone calls over the last two months over this matter. If I did the same thing to the president of Capital One, I would be in jail now!