Creditors crossing the line??

The Fair Debt Collection act is federal. Federal law applies because it's typically under the purview of interstate commerce. Any particular state can have additional laws, but at a minimum, they must meet federal guidelines.

 

Texas has a lot of laws to protect you. I worked in collections at one time and one of the jokes was if you want to hide from you debt move to Texas. I would talk to them. I would always try to work a plan out with the customer to get our money back.

 

CNN just aired something on this... Might want to check CNN.com and see if there is anything there on this topic.

 

Just play games with them. There are so so many ways to fuck with them every time they call...like say hang on & let me put him on the line & talk all crazy with some sort of bizarre accent or say this isn't the right number & be confused why y'all keep calling me etc etc etc. Just have fun with it. File stalking charges or invasion of privacy on them if they take it any further than the phone. Pay them in pennies, all kind of ways to fuck back, lol. Be creative but just keep paying your debt...as YOU can not how they want you too. As long as you're making an effort then they can't do anything more about it. They can say they can but that's just bullshit.

 

This is bad advice. Legally at anytime the consumer breaks a written contract or loan agreement the creditor can seek further action to collect the debt including legal (i.e., small claims court, civil court, repossession, foreclosure, etc) which can eventually lead to wage garnishment. The best thing to do is be honest with your creditors and tell them the truth about your situation. There has been many times in my line of work where someone will avoid us and I have no other choice but to file for legal action against the customer. If the customer does not respond within 30 days of getting judgment from the courts then I can legally file for wage garnishment thru the Sheriff's Department. Once this happens your employer has to legally release info about your wages. I then can take 25% of your gross wages each pay period. It isn't fun but it's my job. I am not sure if this is federal or state law but this is how it works where I live.

 

Being in this type of situation sucks balls. I know because I had to clear all kinds of bad credit stuff on my report to be able to buy a house. I did a ton of stupid stuff in college with my credit and I've finally righted the ship and just bought a house. The best thing to do is own up to the debt you owe, work with the collectors on some type of payment plan and get it over with. If possible, try not to settle, even if it'll take a while to get the debt paid, and always, always get agreements in writing. Everything from the payment plan to agreements on getting the debt off your report (if possible) needs to be in writing.

Manning up and talking to these callers is the best thing. It'll stop the embarassing phone calls, and even though it's a collection, you'll feel a sense of accomploshment getting the monkey off the back. My credit isn't perfect right now, but I'm on the right track and that's how I was able to get over this very same problem...

 

Good advice.

 

I'm talking about when shit gets ridiculously over the line and said nothing about not paying your shit off & I live in TX so my credit can be dinged but that's it. I pay all my shit anyway so not playing any of that nonsense for any reason. Had x that got me roped into shit for her debts even after divorce and those fucks are the ones I gamed with so I need no morality lectures about paying my debts. I've paid more than mine more than a few times so that's where I was coming from. I have none of that shit out there of my own doing but I'm sure your advice should help others.

 

Anyone here a a consumer law specialist? Have a questions regarding an Affidavit