Legal Question in Credit and Debt Law in Michigan
credit card calls
I have a credit card that I cancelled and have been paying back as much as I can but normally on time.
Tonite I recieved not one call but two with in one half of an hour.
The first rep Ihad to correct my name 5 or 6 times then verified the account with and told her I could not pay now and hung up on the second call the rep got my name right and when Itold him I had already spoken to some boby he said yea right and giggled I got his boss on the phone and was told that the calls will continue no matter how maney times a day until the min pay ment was met is this allowed by law and is recording my phone calls illegal
2 Answers from Attorneys
Re: credit card calls
Your remedy depends on whether the calls are coming from a collection agency or from the creditor. If from a collection agency, they may have violated the FDCPA which prohibits making a phone ring incessantly.
Please feel free to call me for more details at 248.679.1552.
Rochelle Guznack
Re: credit card calls
No, it is not legal to harass you; and Michigan requires consent to record.
If you would like further assistance, please contact me via my website, www.lawrefs.com or via email directly.
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