Creditors calling work....

[Blue_Ray]

Creditors are calling my office (at work). Can I tell them to stop calling @ my work place? Not sure, but they do call my home also, but all they get is the phone.

I am doing the Dodge-Ball thing 

Thanks for any input.

Ray

[BKOnce]

Put on ignore or silencer... Tell them to stop is like... keep calling me please!...

[Blue_Ray]

Well It has caller ID, but they are leaving voice mail.

Gosh... I am not even 2 months late and they are already all over us

..............

[CPO]

Creditors are calling my office (at work). Can I tell them to stop calling @ my work place? Not sure, but they do call my home also, but all they get is the phone.

I am doing the Dodge-Ball thing 

Thanks for any input.

Ray

If you really want to stop them, then:

Find out who it is. Get a good address.

If it's a third party collector (not the original creditor) then quote the FDCPA in a certified (return receipt) letter and insist that either they stop calling you altogether or contact you only in writing.

If it's the original creditor, check your state laws. Most states have contact laws that regulate original creditors also, as federal laws don't apply to original creditors.

Send a certified letter (return receipt) and quote the applicable state law and demand they stop calling you altogether or only in writing.

A complete phone call recording in which they fully identify themselves and you clearly are able to state your objection to calls at work will work also, but carefully check your state laws and confirm that you may record.

Remember, collectors are taught to talk over you on the phone to prevent good recordings and also might hang up before you can get a full statement on record...then call again the next day using another representative.

Scumbags...

Remember, it's their job to harass you into payment, however that takes place.

Best bet, certified mail, which lays a trail of documentation that can be used in court. Your job is to collect as much harassment evidence and law breaking as possible on them. Only this will curb their conduct, if they are smart enough to realize what is happening.

Remember, in accordance with the federal law, third party collectors must fully identify themselves, so if they fail to do so and you can get good info on who it is, you can sue them.

They have five days to mail you proper notification of debt collection. So, in some ways they get a freebie for five days...

No letter, sue them.

That's about all you can do unless you decide to send them a "cease & desist" letter which only works with third party collectors.

Remember, most collectors have contempt for the law and unless you put them on notice with documentable evidence that you can produce in court, they will pretty much do anything they please.

I've found it nice to simply not answer my phone and let the answering machine do it's thing. Takes 2-3 seconds to erase any messages I don't want.

Good Luck,

CPO

[desperation]

As always. Very, very good advice from CPO.

One thing that worked for me was to tell my creditors calling me at work that my employer did not allow these types of calls. It worked for the most part...I had a few creditors that tried for a second time, and I told them to remove my work number from their file, and to call me at my home number where I just let the answering machine catch it.

If they continue to call you at work then tell them you know your rights under the Fair Debt Collection Practices Act.

Here's the link for the Federal Trade Commission website and the regulations as to what creditors can and cannot do.

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm

I wish you well.