Legal Question in Credit and Debt Law in Pennsylvania

Re: creditor

You asked about a bill collector that keeps calling you at work.

Take a look at the Fair Debt Collection Practices Act (FDCPA). Then tell the bill collector to ______ him or herself. Debt collectors abuse debtors because they know more about the law than most debtors. It's a shame, because most folks can make some decent money by suing debt collectors that step out of line.

First, tell the bill collector verbally (over the phone) that you are prohibited from receiving calls at your work numbers. Then tell the bill collector that all your phones are work numbers (yes, even your home and cell number). Follow this up with a letter stating that they may not call you at any work number AND that they may not call you at all as you wish to do business by mail only. Further, state that they may only call between the hours X and X on such and such days and that calls outside of that time would be annoying and deemed harassment.

Keep accurate records of all contacts by this (and all) debt collectors. And when they step out of line run to the nearest attorney's office (or call me). The FDCPA not only provides means to stop harassment by debt collectors but also allows the debtors to get statutory punitive damages against the debt collectors. And here's the part I like, the law also allows the debt collectors to be assessed attorney's fees and costs. This often amounts to more that the punitive damages and is almost always awarded when the debtor prevails in a FDCPA claim. Attorneys enjoy these cases because we get to help folks who are getting abused by the system and get paid decent fees for doing so.

Now start fighting back. Take a look at all the web sites regarding FDCPA.

Regards,

Roger