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When does debt collection become maliscious?
I have a debt collector calling me absolutely non stop. To be fair, it is a legitimate debt, and I have spoken to them to told them to send me a letter, and that as soon as I could, I would take care of it. Unfortunately I had some emergencies come up and simply can't spare much to pay the debt. The made me a payment plan offer, but it's more than I can afford for maybe the next month or so. Anyway, since I spoke to them, they have been calling me 8-10 times a day (some days as many as 20 times) from 8:00 in the morning, to about 9:00 at night. I don't answer, they never leave a message, and they just keep calling and calling. If fact, in the time I took me to write this question they have called twice. What I want to know is when does debt collection become maliscious/illegal? I have every intention of paying the debt no matter what, but I do want to be treated fairly and within the law.
4 Answers
- A HunchLv 74 years ago
Pick up the phone.
Tell them:
I do not have the money right now to make the payments, as I agreed.
Maybe in the next month or so, if i don't decide to spend the money on something else, I will pay you.
As you should have come to realize, I have good intentions to pay this bill but likely will never follow through.
Please stop calling me since it's a waste of your time and I'm not going to answer anyways.
I understand that you will immediately file court paperwork to get a judgement against me.
- Casey YLv 74 years ago
Did you even try to find this information on your own? Go to any search engine and type "Debt Collection Laws." Or, just click the link below:
http://www.consumerfinance.gov/askcfpb/329/are-the...
Until you send them something in writing, they can call 20 times per day.
- StephenWeinsteinLv 74 years ago
When either
a) You answer and they call again on the same day, after you already answered on that day, or
b) You tell them not to call, and to communicate only in writing, but they continue to call anyway.
As long as you don't answer, and you don't tell them not to call at all, they can call as many times as they want.
There is no limit on the number of calls that they can make if you don't answer and you don't tell them not to call.
The only two limits on the number of calls are (1) one call per day that you answer, and (2) zero calls if you tell them not to call.
