Stop The Collection Calls
If you are one of the millions of Americans that are past due with some or all of your obligations, I will be the first to tell you that you are not alone. Everywhere you look people are behind on there bills, it in the news, on the internet, on the radio, on television, daily; it is everywhere. There are no shortage of collection agencies out there that are out to make a quick buck by calling and reminding you how past due you are with your bills and that they need for you to pay. There are ways to handle collection calls that you might get.
For most of us it is either we have been called by a collection agency, or we know someone who has been. No disrespect to collections agencies, we all know they have a job to do, and they are doing it. Some of them do it so well that they cross over a legal and moral line. When that happens, there is a violation that has occurred, which needs to be addressed. Collection agencies have a certain time of day that they can call you, it’s usually 8am-9pm your time zone, or any time within that time period that you consider to be inconvenient for you; If they still call you that can be considered harassment. Harassment is a broad term, but it is anything that you consider harassment even though you may still owe money to them or to a company they represent. Even if the collection agency is contacting you for your missed payments outside of the established time period, or anytime you consider to be a problem for you, they can still be liable. Non the less, the law is more favorable to the borrower and not so much to the collection agency that are calling you. If a collection agency is stepping over the line by contacting your at odd times, or keep bugging you, then you are welcome to seek legal actions against them. The legal actions can carry stiff penalties and the collection agency and the individual collector calling you may be liable.
If you keep getting collections call, whether it is your fault or not that your are behind with your payments and you send them a cease and desist letter, they must stop calling you. A cease and desist in lay terms is just a letter letting them know you do not want to receive phone calls on any outstanding debt with them, or with the company that they are representing. The best way to send this letter is by certified mail with a return receipt. Once your have confirmation that the letter was received and signed for, that is your proof that they have received your written notice to stop the calls. They can still legally send you letters and information to advise you of any outstanding balances that you may owe, but they can not call you which can be a relief from the calls. If they still continue to call you after all of the above that was mentioned, or refuse to stop calling you, then legal action is fair game against them. You will have a high probability that you will win in the court of law, which could cause them to drop all outstanding balances that your still owe, and you are eligible for financial compensation against an individual collector and the collection company.
