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If harassing calls from debt collectors are keeping you from answering the phone -- or stressing you out -- you're not alone. Amid the tough economy, debt collection activity has intensified, with ...
Here’s what you can do if you receive a debt collection text, call, email or letter: Get contact information . Request the caller’s name, company details, street address and a callback number.
Many people are contacting WalletPop.com regarding harassing calls from creditors trying to collect debt payments. Can these calls be stopped and what happens if you do successfully stop the calls?
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Specifically the court found "[a] third party debt collection agency is liable for autodialed calls under the TCPA when the consumer has revoked his prior express consent to be called, even when that revocation has not been communicated to the debt collector or the debt collector otherwise fails to confirm the consumer has consented to calls."
[23] [24] That agency then launches into a series of harassing phone calls at all hours (often to the victim's workplace), attempting to obtain bank account numbers (allowing the account to be drained through direct withdrawal) [25] or impersonating police (sometimes with caller ID spoofing) to threaten the victim with arrest.
Harassing calls from debt collectors are bad enough, but when you don't even owe the debt, that's a whole lot worse. Susan McCafferty, a 63-year old resident of Harvey, La., and a Consumer Ally ...
Collection agencies, law-enforcement officials, and private investigators have used the practice, with varying degrees of legality. The first mainstream caller ID spoofing service was launched U.S.-wide on September 1, 2004 by California-based Star38.com. [ 4 ] Founded by Jason Jepson, [ 5 ] it was the first service to allow spoofed calls to be ...