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Voice Message from Debt Collector



marysplace2

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Sub: Voice Message from Debt Collector
Fri, 04/09/2009 14:26

I don't know if this question has been asked and answered before, but can a debt collector call and leave a message on your home phone stating they are a CA and thats in reference to a debt and that they are trying to collect on that debt.



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marysplace2
marysplace2
Posts: 95
Credits: 1695.65

Sub: #1 Thanks Chrys, CSB left a message and it goes like this, "This iFri, 09/04/2009 - 14:26



Thanks Chrys,
CSB left a message and it goes like this, "This is a private message for Mr. x if we reached a wrong number for this person call us back at xxx-xxx-xxxx. please dont continue to listen if your not mr.x This is CSB this is an attempt to collect a debt any information obtain will be used for that purpose. please call us back at xxx-xxx-xxxx.


Chrys Henderson
Chrys Henderson

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Sub: #2 According to the following article by ACA International, the AssThu, 09/03/2009 - 03:12



According to the following article by ACA International, the Association of Credit and Collection Professionals, they can:
"http://www.collectiontechnology.net/profiles/blogs/voice-m essage-providi..."
(The article on the ACA website requires log-in. Remove any added spaces from the above web address, if any.)

See the bottom of the article for their recommended format.

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


marysplace2
marysplace2
Posts: 95
Credits: 1695.65

Sub: #3 So if they say in the recording if your not so and so please hanWed, 09/02/2009 - 23:48



So if they say in the recording if your not so and so please hang up and by listening you acknowledge you are so and so. is legal? I want to make sure I understand.


Unregistered

Sub: #4 Quote:Originally Posted by Unregisteredhow one could collect $1,Wed, 09/02/2009 - 20:43



Quote:
Originally Posted by Unregistered
how one could collect $1,000 from the CA doing this.
You would file a lawsuit against them in Federal court. The FDCPA not only grants you statutory damages but can also grant you court costs and reasonable attorney fees if requested, so if you have a documented violation of the FDCPA it should be relatively easy to find an attorney to work pro bono (at no cost to you).


Unregistered

Sub: #5 they can leave messages, depending on how it is worded. it mighWed, 09/02/2009 - 09:09



they can leave messages, depending on how it is worded. it might sound funny and ridiculous but they can leave a message stating "if you are not so and so please hang up. by continuing to listen you acknowledge you are so and so... " so it depends on how the message is worded.


Unregistered

Sub: #6 Recorded MessageWed, 09/02/2009 - 09:00



Quote:
Originally Posted by SOAPLADY
Nope. Keep the message. They may end up paying you $1000. All they can leave is there name and phone.


I would like more information about why they can't leave a recorded message and how one could collect $1,000 from the CA doing this.


Chrys Henderson
Chrys Henderson

Posts: 2555
Credits: 17373.2

Sub: #7 Actually, the BBB usually investigates every complaint. That's wWed, 09/02/2009 - 00:16



Actually, the BBB usually investigates every complaint. That's why they have a "No Response" or "Unanswered" tally which means the company ignored their requests for an explanation.

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


marysplace2
marysplace2
Posts: 95
Credits: 1695.65

Sub: #8 Thanks, for the info.Tue, 09/01/2009 - 15:31



Thanks, for the info.


bastoops
bastoops
Debt Samaritan
Posts: 335
Credits: 4061.45

Sub: #9 if its a 3rd party agency you need to send them a cease & desistFri, 08/28/2009 - 05:54



if its a 3rd party agency you need to send them a cease & desist letter, certified mail with return recipt. that way you have a copy of the signiture for whoever signed for it. state in the letter they are not allowed to call you, your job, or any of your refrences you may or may not have left. then you can file a complaint with the ftc, and your state attorney general. also the bbb if you want, i've heard mixed results with the bbb though. my personal experiance the bbb didnt really do anything, just added more show for the drama. i would start there, it takes some time, but get the c&d sent asap though. good luck.


marysplace2
marysplace2
Posts: 95
Credits: 1695.65

Sub: #10 What do we need to do, to have them stopThu, 08/27/2009 - 23:51



What do we need to do, to have them stop


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