I have asked this question before but have never really received or found an answer on a state or federal level. With with the horror stories I have been reading about Cash Call and their tactics I find it hard to believe that there are no laws to protect people against the wrath of original lenders. I emailed my State Attorney General this question. (Florida) I was of course ignored as usual. As the fdcpa applys only to third party collectors it strikes me as odd that an original creditor should be allowed to make threats, speak to third parties, call you at work when told not to and even tell your children that you are a bad person. This is the u.s. and it would seem to me their must be a law somewhere. Any help would be beneficial for so many who are dealing with Cash Call especially!
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Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
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