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can a debt collector come to your house?



Sub: can a debt collector come to your house?
Sat, 16/07/2011 16:35

please help, i bounced a check with a finance company and after calling & leaving messages they came to my house & treatened to call the sheriff if i did not pay my bounced check. Is this legal?



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Sub: #4 :cool: most of you write call police, cut the dog loose, but youSat, 07/16/2011 - 16:35



:cool: most of you write call police, cut the dog loose, but you miss on one point if you'd pay no one would call....how would you feel if you sold lets say furniture and your client decides for what ever reason..oh well I wont pay.How's that make you feel what would you tell your family they cant eat because your dedbeat client wont.Coming to your home as long as there are no locked gates is not trasspassing.Never reveal the purpose of the visit unless is the debtor.by knocking on a debtor is like tapping on their shoulder and saying here I am... I am not forgetting the debt.Even though they hide and play all sorts of games...The scum of the earth are those that refuse to pay and create sad stories. I lost my job, my mother died' etc..face up to your debts make a payment arrangement and keep it, or next time when you are at a store think hard am I going to be able to pay my bills?if the answer is maybe dont buy!!!! if we are owed we will come to your home or place of work to deliver a final notice letter..you still hide we will see you in court! If you owe and shaow an effort ib this economy almost all companies but ingnoring you obligations SHAME ON YOU!


Sub: #5 No! not if thier smart!Sat, 01/15/2011 - 13:31



Debt collectors have been known to make house call's however its called tresspassing! which is illegal in most states. you can have them arrested as while as file a civil harrassment and criminal tresspass suit against them.
only! debts collectors that use these tactics of approach are usually not BBB accredited let alone a legal or licensed agency.
now if its rent to own? or some agency like that?they can legally come and reposses there merchandise however you can force then you get a affidavite or reposesssion by the courts and they have to be in the company of a police officer or constable.
and you have the right to refuse entry until they have obtained this!
when a person or persons unknown approaches your home Always call the local police dept and requset a officer or deputy to come to your residence to approach the unknwon caller and verify thier intentions and in most cases they will be warned Not to come back to your residence again! but? if they get unruly i have seen cases where the officer will arrest thie person or persons in question for criminal trespass.;)


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Sub: #6 Nope. What you should have done was call the police out to yourSat, 01/15/2011 - 12:11



Nope. What you should have done was call the police out to your house. They would have come and issued the guy a trespass warning...if he comes back you call the cops again and that time they will arrest his sorry ass. But watch out! The company sending him will likely keep sending different people to your door to get around the trespass laws.

I had this happen to me..I wrote a whole big thread about it somewhere here.....a company kept sending new people to my house until I threatened to take all the trespass warnings and file a harassment lawsuit since they felt oh so smart in attempting to circumvent the law.


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Sub: #7 I had a debt collector come to the house, I wasnt home at the tiFri, 01/14/2011 - 04:39



I had a debt collector come to the house, I wasnt home at the time, my wife answered the door..He demanded personal information, My wife asked for ID, business card anything that stated he was with a collection agency...gave her nothing..She told him to go away I am not giving personal information to a stranger...He left her a letter that I could have made on my Laptop, in a used envelope...scratched out previous address and handwrote " personal and confidential"...He parked outside for like a hour..Came back the next day I spoke with him....the guy looks really sketchy...I didnt give him info either...b ut I did pay what I was behind on...can they come to your house , demand personal info and camp out at your house ?


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Sub: #8 need some help on this tooFri, 08/13/2010 - 11:30



I am having the same problem I took a payday advance and lost my job, and know I owe them only $250 i dont know if the have my address but i think they do,would they come by my place? what should i do since i have no job? should i take out a student loan?


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Sub: #9 If you write a check for groceries and it bounces, then the storTue, 06/08/2010 - 08:27



If you write a check for groceries and it bounces, then the store can turn it over to the State and you can be prosecuted. IF you wrote the check to a payday loan type place, they cannot turn the check over to the State because they knew it was bad when they accepted it.


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Sub: #10 You should get a pitbull and turn it loose on his sorry ass. AnMon, 06/07/2010 - 14:50



You should get a pitbull and turn it loose on his sorry ass. And in regards to the original poster-next time let him call the sheriff and while he's doing that tell him you're going to call the local PD and press charges on him for trespassing and property damage. I'm sure he would change his tune. Debts are a civil matter and the law will not get involved until the debt collector decides to sue.Then you will go in front of a judge and have your day in court. Don't know about other states, but in Missouri you have 10 days once you get a notice from the creditor regarding a bad check and then an additional 10 days once you get a notice from the prosecuting attorney's office.


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