Filing a Complaint Against Creditors

To file a complaint

If you receive calls from debt collectors that you believe could violate the law, contact the Federal Trade Commission at 877-FTC-HELP or your Attorney
General.

For legal representation:

Visit the Web site for the National Association for Consumer Advocates ( www.naca.net) to find a lawyer with that specialty.

You should read this article and what was done to people and how they fought back:

http://www.bkblog.net/blog/_archives/2006/7/24/2156876.html

Thanks, anon. It's good to know that there are people who are trying to help stop these horrible collection practices.

This is what I've been saying for weeks... :-(

Nascar20fan -- read this one http://www.bkblog.net/blog/_archives/2006/7/26/2165279.html

Yeah, I saw that... That was the aging thing was the basis for my calling the FTC in the first place. it was the basis for this thread:
http://www.bankruptcyforum.com/t8655-big-news-everyone-must-read-this-thread.html

I have been getting 2 -3 phone calls per day from a particular credit agency, NCO. The lady who keeps calling states that if I dont pay she will see me in court,(how does she know I am filing for bk?,lol) and then she says that if I dont talk to her she will just call when my husband gets home as she feels she will have better luck talking to him. I have asked her to stop calling but she still calls at least 2x's per day. Anything I can say to her to stop her?

Thanks

I have been getting 2 -3 phone calls per day from a particular credit agency, NCO. The lady who keeps calling states that if I dont pay she will see me in court,(how does she know I am filing for bk?,lol) and then she says that if I dont talk to her she will just call when my husband gets home as she feels she will have better luck talking to him. I have asked her to stop calling but she still calls at least 2x's per day. Anything I can say to her to stop her?

Thanks

Send NCO a letter by certified mail return receipt requested (so they know you have proof of them receiving it) which states the following:

"In accordance with the Fair Debt Collection Practices Act, I dispute the validity of this alleged debt and I request written verification of it.

It is inconvenient for me to receive telephone calls from debt collectors at any time of the day or night and at any location. I demand that you cease and desist from any further communication with me by telephone.

All future telephone calls will be recorded and may be used as evidence against you for your violations of the FDCPA."

Keep a copy of the letter and the original certified mail receipts in case you need them later on.

Most, but not all, third party debt collectors will stop calling you after they receive this letter from you. If they don't stop calling, they are breaking Federal and sometimes state laws. Then file a complaint against them with the FTC and your local state's attorney general.

I have been getting 2 -3 phone calls per day from a particular credit agency, NCO. The lady who keeps calling states that if I dont pay she will see me in court,(how does she know I am filing for bk?,lol) and then she says that if I dont talk to her she will just call when my husband gets home as she feels she will have better luck talking to him. I have asked her to stop calling but she still calls at least 2x's per day. Anything I can say to her to stop her?

Thanks

This collector isn't going to stop calling you, CinVa. Just like when an obscene phone caller calls, when you hear that it's NCO just say nothing, quietly hang up the phone, and walk away. I've heard that some people do a variation on this - when it's the collector on the phone, they put the phone down and just let the collector talk nasty to the air, then come back in a minute and when the line is nice and quiet, hang it up. (I get a kick out of that approach myself!)