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How many times a week is a Rent-to-own company allowed to come to your house to collect?
I've been having so many issues with Aaron's lease. We are so close to paying off and I need to have all my facts straight so I can call the district manager before I start pressing charges. I know there is restrictions on how many times they can call you a day under the FDCPA and the TCPA but I haven't found anything about them coming to the home. I am pretty sure they are not allowed to come by twice a day everyday.
Please do not comment unless you know how many times they can come to my home to collect a week. Don't tell me to pay them off, as I already am. Just answer the question.
5 Answers
- Badge203Lv 77 years agoFavorite Answer
They can come as many times as they want
There are no regulations on that and it is not covered as they are not a third party debt collector
The other thing you may want to concern yourself more with it if you do not pay them and you refuse to return the items, you may find yourself being arrested for theft as you have their property
I have no idea what RTO company this Fulcrum works for but I have been on calls where the person with the merchandise has been arrested for theft and there is no judge that would EVER, EVER sign a restraining order against a company trying to claim or get paid for their property.
A bill collector (third party) can not have you arrested because they do not have any interest in the items, however a rent to own place STILL has control over the property they RENTED you until it is paid off, and if you fail to pay and/or refuse to return the stuff they will and can file theft charges against you and if you think I am just making stuff up to make it up, then continue on the path your on and see. I guarantee you they will.
So, the district manager will not help you, there are no federal agencies that can or will help you in this situation but you can get arrested for theft.
So there you have it
- Not SureLv 47 years ago
I work for am RTO. We have never sent anybody to a house ever. We don't even send them to collections most of the time. If they are coming to the house as you say, then it was in the fine print that you signed most likely.
I would actually be wary of that, never heard of that, ever. Anyways, RTO and LTO have different rules than straight interest credit plans. Unfortunately you're paying a lease factor of 2.7 or so. Almost 300% interest.
I'd file a restraining order for harasment just to piss them off.
- 7 years ago
Sadly not. The TCPA does not apply in this case, and the FDCPA applies to debt collectors, third parties who buy debts.