Debt collector calling

[yellowstang]

What is the law about a debt collector calling and saying they will not stop calling until the debt is paid? They say Lyn owes kay jewlers $217 from 1995! I know that is BS, she never bought anything there.

She said I have to either pay or they will continue to call until it is paid. WTF, they say I can't ask to stop calling via phone. Any real advice on this shit?

[78X]

cease and desist letter- send them one immediately


Address
City, State Zip


Debt Collector’s Name
Address
City, State Zip

Re: Account Number

Dear Debt Collector:

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office. Civil and criminal claims will be pursued.
Sincerely,

Your Name

[Tx Redneck]

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

^^^^^^^^^^^^^^^^^^^^^^^^^
Has all your rights and what they can and cannot do listed.

[A_A_G]

95? I thought there was a cutoff date when they can still try to get the money?

[downshift_me]

Buy an air horn and let it talk to them for you.

[yellowstang]

Sweet, thanks 78X! Just found a similar bit of info doing a google search, but I shoulda just waited, this place rocks!

A_A_G, I know, WTF, 15 year old debt???

[sc281]

What is the law about a debt collector calling and saying they will not stop calling until the debt is paid? They say Lyn owes kay jewlers $217 from 1995! I know that is BS, she never bought anything there.

She said I have to either pay or they will continue to call until it is paid. WTF, they say I can't ask to stop calling via phone. Any real advice on this shit?

Full C&D letter, and tell them to pound sand. Even if it was yours, there is a 4 year statute of limitations on consumer contracts so they can fuck off.

Also, record the call next time and try to get them to say that again.That's fuckin illegal as shit.

Texas is a one party state for recording calls, so as long a s one party knows the call is being recorded then it is okay. So make sure to let yourself know you are going to record your own call, k?

Also say this phrase

It is not convenient for you to call me on any number you have. Please send all correspondence to U.S. Mail. I will be sending you a C&D in writing by the end of the day.

[yellowstang]

Cool, typed up the C&D letter, can I fax it to them, I found a fax number for their dumb asses, but they did give me a P.O. Box to send it in.

[sc281]

Cool, typed up the C&D letter, can I fax it to them, I found a fax number for their dumb asses, but they did give me a P.O. Box to send it in.

send it certified mail-return receipt requested (Green card at the post office) That way, it will hold up in court if you need to sue them.

[yellowstang]

send it certified mail-return receipt requested (Green card at the post office) That way, it will hold up in court if you need to sue them.

Good idea, I'll have Lyn do that tomorrow, and I will fax it also.

Hell, I should send them one every day for 2 weeks, or would that be considered reverse harrasment?

[sc281]

Good idea, I'll have Lyn do that tomorrow, and I will fax it also.

Hell, I should send them one every day for 2 weeks, or would that be considered reverse harrasment?

Just one is all you need.

[Sean88gt]

Use it as an opportunity to brush up on your racial slurs.

[Broncojohnny]

Get the chick's number and post it here so we can call. I know Chuck is there this time.

[kingjason]

Blockbuster was doing this to a guy I knew once to the tune of 300.00 or something like that. He found a sleazy ass lawyer and sued the hell out of them. Said it was keeping him up at night, messing with his labido, etc etc. He ended up getting a cool grand and no telling what the lawyer got. Pm DanaY I am sure her lawyer would take it. LOL

[Broncojohnny]

Hell i got a letter about two months ago for a Bally's membership from around 1992. This is when I lived in North Ft. Worth right off of Rosedale. And I don't even think I left there owing them any money but hell it has been so long that I honestly can't say. It is funny what these guys will do just trying to land a buck, they probably buy these accounts or tips or whatever they are for $.05 each.