Harassing calls from a debt collector? Here is what you need to know

Debt collectors are highly motivated to convince debtors to pay the debt because they work on a commission. This business model has created the reputation for bill collection agencies that we know today. The collector might engage in threatening behavior and harassment. However, like any other business they are governed by laws that prohibit certain abusive practices.
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Comments

  • -1
    jbnj replies to jennifer
    | 1 reply
    no, it is not legal
  • 0
    Resident47 replies to jbnj
    Twelve solid years later, the six dozen-plus responses to Jennifer's conveniently found front page remarks have apparently not settled the matter to the public satisfaction, prompting your thorough evaluation and considered response within nine seconds on your lunch break.

    examples of replies from the prior 20 months:
    26 Apr 2018, Rick - https://800notes.com/arts/harassing-calls-fro ... 654320756019251
    05 Jun 2018, Wolf - https://800notes.com/arts/harassing-calls-fro ... 277157401478634
    24 Jul 2018, GW - https://800notes.com/arts/harassing-calls-fro ... 948144557897207
    07 Nov 2018, Been There - https://800notes.com/arts/harassing-calls-fro ... -know?page=c293
    15 Apr 2019, Harry B - https://800notes.com/arts/harassing-calls-fro ... 300319300255074

    my own contributions, after it became apparent that kneejerk replies would never end:
    12 Jan 2018 - https://800notes.com/arts/harassing-calls-fro ... 451698567833287
    12 May 2018 - https://800notes.com/arts/harassing-calls-fro ... 773963179839972
  • -1
    Kat replies to jennifer
    I have a Georgia number and I get calls at 6 am too. Just report it! And keep blocking the calls. I've blocked alot of [***] calls and I dont get as many.
  • 0
    Glenda replies to edgework
    | 2 replies
    My son got tired of a bill collector calling his house looking for me so one day he told the person calling that I had just packed my stuff and moved out a month ago and he doesn't know where or hasn't heard from me. He told another caller that I had passed away. No more calls from those people after those times. Another thing you can try is to have a recording set that you can use for these kinds of calls that says something like, "this is the metropolitan police, the party you are calling can not come to the phone right now and it will probably be several months before they are released" and then hang up. Or as one person said to tell them that you are recording the calls from them now and that all calls from them will be recorded for your protection (this works on scammer calls too cause they usually hang up as soon as you say that and don't call back).
  • 0
    Michelle TF replies to edgework
    | 1 reply
    You have NO obligation for anyone's debt - regardless of your business relationship.  It is again the law to reveal to a third party that a person owes money to an entity.  I would threaten to report this behavior to the attorney general's office/consumer protection bureau of your State.
  • 0
    Michelle TF replies to Michelle TF
    CORRECTION:   "IT IS AGAINST THE LAW..."
  • 0
    Mister Craig
    I discovered a way to stop all f7future calls. After the usual oilerplate at the beginning ,they usually tell you the call is being recorded . Due to unrelated circumstances I also record all my calls for security reasons . B6 law I am required to inform the other person to the fact .as soon as she heard that the call was immediately dropped . Haven't heard back . The call came in before the lockdown ?
  • 0
    Clover51 replies to Glenda
    My DIL had a habit of posting her cell number on FB and some collector captured it and called her looking for me. Fortunately my son was with her when she got the call and took the phone from her. When they demanded he give her my contact information, he refused. They threatened him and he told them: "I have the resources to tie you up in court for a long time". They hung up and never called back. Needless to say, my son gave my DIL a talking to about posting her personal information on social media!
  • 0
    William Newton replies to Kathie
    It is not legal - even if it was you in person and not your answering machine. They are trying to deceive you, which is also illegal.
  • 0
    William Newton replies to Divorced
    You DO know the person - you just have not been related or spoken to that person in over a decade. Tell that to Allied Interstate - not the inadvertent partial lie that you don't know him.
    If he gives your phone number to others, you may need to get an injunction or restraining order (whichever is appropriate) making it illegal for him to give out your number.

    If you were sued for some debt of his, it should be easy to handle without even going into court. A copy of the divorce decree, a demand to see a loan document with your signature on it - and a sworn statement that you have not communicated with him for over a decade should be sufficient to get you dropped from the lawsuit.

    Of course, if you did get sued for some bill of his, the first thing to do would be to get a free consultation with a lawyer. He/she would advise you on how to legally proceed. It should be rather inexpensive to resolve, and you might even be able to get the judge (when he dismisses the case) to require refund of your lawyer fees.
  • 0
    WrongNumber
    Calls every weekday...Have advised them they have the wrong number and that the person they seek does not reside here...they do not have my name or address...they use at least 4 different numbers...Have an app which intercepts the call and plays pre-recorded BOT messages and records the response, if any...my phone logs the call but it blocks the call so it does not ring through...silence is wonderful...my app does not sleep or takes vacations and i never talk to them...
  • 0
    MD ARIFUL replies to edgework
    Please block this thread
  • 0
    Kat replies to jennifer
    No it is not legal doesn’t matter the time zone they are in it’s your time zone time zone that cannot  thir I. Violation and can be sanctioned for doing
  • 0
    Lea
    I have been getting calls from a collection agent for years, I never answer the phone, but sometimes they leave a message saying who they are and give me a phone number to call them back, I won't do it.  I have never received any letter saying I owe anyone, they use all kinds of phone numbers to call me from, and they have never said what the debt is for.  If they really want my money they have to send me a letter, I can play their game and never answer the calls. After 7 years they can't contact me anymore, so I may be having to put up with them for that long, but I will.
  • 0
    doris replies to Temra
    just want my money.

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