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HomeForumCollection AgenciesStopping harrassment of CA's if payments are being made.
Stopping harrassment of CA's if payments are being made.

 
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modifiedlady04
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PostPosted: Sun Mar 27, 2005 5:59 am    Post subject: Stopping harrassment of CA's if payments are being made. Reply with quote
How can I stop harrassing calls from CA's if I am making some payments monthly towards my bad debt? The collection agency is taking my payments, but threating to take me to court if I do not send in a larger payment or if a 2nd payment is not made within the same month.

I have also been told that it is not a good idea to pay collection agencies, that it is better to pay the original creditor. If this is true, how does the debt get back to the original creditor from the CA? I really want to pay off my debts asap without being threatened and/or harrassed, but I have to live as well in the meatime and cannot send all of the money that I have to the CA.

Please help. Thanks
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Denny
Site Admin


Joined: 19 Oct 2004
Posts: 172
PostPosted: Sun Mar 27, 2005 5:18 pm    Post subject: CA's problem Reply with quote
Hi modifiedlady04,

Welcome to the forums, Collection Agencies are not trained for customer care. Their only job is to extract as much money as possible, the method and the way doesn't matter.

You can threaten them of legal action for violating fdcpa ( http://www.debtconsolidationcare.com/fdcpa.html ).

Quote:
I really want to pay off my debts asap without being threatened and/or harassed, but I have to live as well in the meantime and cannot send all of the money that I have to the CA.

Write a letter to the original creditor and mention the problem with collection agency, also mention that you are ready to pay the debt in full. In most cases they will pull the accounts back from CA.

Thanks
Denny
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