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Collections Law/credit card calling hours in florida
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Question
Hello I live in south Florida and i have several credit cards that i was never late on until i became unemployed and now 100% disabled via SSA and my income is under 135% of the government poor people, i was just approved for food stamps. I receive calls from credit card companies out of state., i.e. California, and collections companies ie dell financial, they call after i have informed them over 30 times of my situation and they not only call from 7:00am to 10:00pm but they call every 30 minutes and 7 days a week. i have no money at all and i don't even have the money to file bankruptcy, not that it would help, WHAT CAN I DO OR TELL THEM TO GET IT THROUGH THEIR THICK HEADS, THAT MY CONDITION MEDICALLY IS CAUSED BY STRESS AND THEY ARE STRESSING ME OUT TO THE MAX.,... CAN THEY DO THIS TO ME AND IF SO, IS THERE HOURS THAT THEY CAN NOT CONTACT ME?? THANK YOU IN ADVANCE FOR YOUR HELP//
CINDY
go to http://www.creditwrench.com/18questions.html and print out the list of questions you will find there. Listen to the audio recordings you will find there and use them every time they call. You will find out that they might call 3 or 4 times once you start using those 18 questions on them and then they will stop pestering you because they can't collect any money and they have to collect money or they won't get a bonus check at the end of the month. You will become a time waster for them and they can't take that.
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Answers by Expert:
Creditwrench
Expertise
Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.
Experience
I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.
Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.
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