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> "As for Sofia, she says she’d like to meet with someone to work out a repayment plan rather than field as many as 20 phone calls some days dunning her for mon

> "As for Sofia, she says she’d like to meet with someone to work out a repayment plan rather than field as many as 20 phone calls some days dunning her for money." Twenty phone calls per day is absolutely insane, and should not be legal. For that matter, is it legal? If enough of these are coming from the same party or from closely related parties, then it's crossed the line into harrassment.

ceejayoz 11y ago
Unless she's racking up that many new debts daily, she could put a stop to it. https://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act https://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices... > The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following: > Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted. A collections agency that continues to contact you after you demand they cease contact starts to owe you money very quickly.
- srtjstjsj 11y ago
  > A collections agency that continues to contact you after you demand they cease contact starts to owe you money very quickly. How do you collect that money? Do you have to hire an agency?
  - ceejayoz 11y ago
    You can sue in small claims court, which doesn't require a lawyer.
finance-geek 11y ago
Not legal, especially to mobile phones, but sadly it happens. I have superb credit, but one of my tenants did not. Since their address had my phone number on it (city records), robocalls started coming to me, from multiple companies. They were relentless.

ceejayoz 11y ago

Unless she's racking up that many new debts daily, she could put a stop to it. https://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act https://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices... > The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following: > Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted. A collections agency that continues to contact you after you demand they cease contact starts to owe you money very quickly.

srtjstjsj 11y ago
> A collections agency that continues to contact you after you demand they cease contact starts to owe you money very quickly. How do you collect that money? Do you have to hire an agency?
- ceejayoz 11y ago
  You can sue in small claims court, which doesn't require a lawyer.

finance-geek 11y ago

Not legal, especially to mobile phones, but sadly it happens. I have superb credit, but one of my tenants did not. Since their address had my phone number on it (city records), robocalls started coming to me, from multiple companies. They were relentless.