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Collections Law/FDCPA VIOLATION
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Question
I HAVE A ACCT IN COLLECTIONS WITH A COMPANY CALLED ONCORE (ORIGIONAL CREDITOR GE MONEY. I CURRENTLY RECEIVE 10-20 CALLS PER DAY FROM THIS COMPANY IN REGARD TO THIS ACCT. I AM A COLLECTION REP AND AM WELL AWARE OF MY RIGHTS UNDER FDCPA. I HAVE COMMUNICATED WITH THEM ON SEVERAL OCCASIONS AND ADVISED THEM WHEN I WILL BE ABLE TO BRING MY ACCT CURRENT. EVEN AFTER SPEAKING TO THEM, THEY CONTINUE TO CALL AND HARRASS ME WITH IN THE SAME DAY AS IF MY SITUATION HAS CHANGED FROM 8AM TO NOON. PLEASE ADVISE ME OF WHAT MEASURES THAT I CAN TAKE TO STOP THE HARRASSMENT. I HAVE TO WORK JUST LIKE EVERYONE ELSE AND I CANNOT DO SO UNDER THE CURRENT STATUS OF CALLS FROM THIS COMPANY. PLEASE FEEL FREE TO CONTACT ME AT 678-886-4698
The first thing to do is to send them a cease desist letter by certified mail, return receipt requested. Advise them in writing of your circumstance and that they are to cease all phone contact with you. You may also make a proposal for payment in your letter if you are able to make payments.
You may also want to inform them that any more phone calls and you will be filing a complaint with the Federal Trade Commission and the State Attorney general. Hopefully this will stop the calls.
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Answers by Expert:
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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