Quote:
Originally Posted by sweetbmxrider
who has an answering machine with a record button? i only have voicemail. good advice though
|
You VM will have a feature to record conversations. The catch is that you should tell them, if you don't it becomes a 50/50 shot if any legal actions result.
The biog rights to know:
1. They can't threaten to take anything away from you
2. They can't threaten to garnish your wages
3. They can't call your family, friends, neighbors, or anyone else about your situation. If you are the only one on the account they cannot legally talk to anyone else unless you provide written documentation allowing someone else to speak on the account.
4. They are only allowed to "speak to you" once or twice a day. "speaking" to you can be constituted by, but is not limited to voice mail or actual contact. If they are calling 50 times a day to try to talk to you and it keeps showing up on your caller ID and phone records you can sue for harassment.
5. They are required by law to be able to supply all bills, documents, and supporting materials in print upon request. Some companies require a written request, but they would be obligated to tell you that when you request the documentation as well as giving you all the information you need to submit for the documentation. Any request for documentation must be fulfilled in a "reasonable" amount of time(it's not really defined.)
Collectors get the fuzzy end of the lollipop basically when it comes to trying to push people around anymore. Some places have gone even further, like NYC, by installing their own expansions to the federal Fair Debt Collections Act. So check your local laws, they can be as local as your home town and the collectors will be obligated to follow.