Could someone please tell me about the law(s) restricting CA from calling?

[lalap123]

I know there have been several threads regarding the laws governing what collection agencies can and cannot do. Could someone please provide the correct reference for me to look up and a synopsis of what regulation states? In particular, I was wondering if, once a credit card is turned over to the collection agency, a letter is all it takes to stop them from making any phone calls regarding the account. In other words, all they can send is written communication? Is this correct?

Thank you for your patience

[lalap123]

Thanks...

I'll do a little more research, but I guess I'm still a little confused as to why everyone wouldn't write these letters? In other words, I'm almost looking forward to the time when my accounts go to third party collections b/c then I can at least tell them not to call me anymore! Is the issue b/c the debt will change collection agencies so frequently and you have to continually write letters to new agencies?

Also, do you know if the laws vary much by state?

[fltoo]

Honestly, because it is a waste of my precious time and energy. I could be doing more productive things.

I don't understand why someone would do this, but, some people feel the need to.

[BigJohn]

Right on fltoo.

Writing these letters is an exercise in vanity if you do not follow up, for example, file a law suit, etc. The reason these laws are not enforced is most people do not take the game to the next level. If the collection agencies were put in their place by the consumers, there would not be these many problems.

[BigJohn]

You want to tell me how writing a C&D "is an exercise in vanity"? John you have no clue I mean flat out no clue what you are talking about in this thread. And in your rambling of what laws are not being enforced? Do you even have any idea at all how incredibly ridiculous your response to OP's post is?

How much does it cost you to write and send out a C&D?
And if the collection agency still continues to call, you answer the call and tell them to stop. But do you ever follow up on the complaints? How much money have you got out of the collection agencies for their violations?

But then I ignore them. I don't waste my time and money pursuing something that doesn't accomplish much if much at all. Now if you pursued them legally and make money from it, that would be a different story.