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Expert: Michael Brotherton - 1/30/2008


Question
Good day,
At what point in time do collection calls become harassment and stalking? I have one credit card company that calls between 8:00-8:10 a.m. daily and averages 6 calls a day, on the weekends it is more. I am in the process of completing my paperwork to file bankruptcy, but in the meantime, the calls are very frustrating.

Answer
Although there is no set number of times a creditor can call if it becomes annoying you may complain to the Federal Trade Commission. Many times they do not leave messages or if you don't answer the phone they will keep calling. The FDCPA says they may call between 8am and 9pm but they cannot call at times known to be inconvenient for you. This is very vague and is open to interpretation. If you are filing BK the calls will stop. If you want to stop the calls in the meantime you may send a cease and desist letter advising them you are filing BK. Send the letter certified mail return receipt requested. This should do the trick.

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Michael Brotherton

Expertise

Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).

Experience

Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.

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