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Question
I am late on a $20 payment to Macy´s credit card. By mistake I only pid $10 on the due date but seeing that penalized me with a $29 late payment fee, I figured I put everything together with the next payment. One day after due date, they started calling me at my house no less than six times a day and before 8 am and after 8 pm. I finally answered the phone and told them I was going to sue them for their illegal approach. So here I am. How can I make good on my promise?
You can't. Original creditors can do that to their customers and there is little or nothing that can be done about it. I do have a method that can be used but it isn't real easy to implement. The first thing you need is a special type of voice modem for your computer. It has to have voice and caller I.D. capability and those are hard to find. Then you need a $16 program called phone tray. It is easily available on the internet through a google search. Run your phone line through the modem and start up phone tray and it will announce the caller and you can program it to answer the phone with a canned message of your choice every time they call. It will answer and give the canned message so fast you can't even pick up the phone. Works like a charm if you can just find the right modem to use with it. That's the hard part.
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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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