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How To Stop Debt Collectors From Calling

Stop Debt Collector Harassment

This method of dealing with debt collector harassment could bring you some temporary satisfaction. BUT why not Keep Calm and Get Paid instead? There are more “rewarding” ways to deal with debt collection by simply enforcing your rights. You could earn you up to $1,000 or more, cash in your pocket, plus attorney representation at no cost to you.

Here is a list of some of the many debt collection tactics that are against the law.

If you feel that you’ve been treated unfairly by a debt collector, contact us today.  Call us for a FREE review at 888-595-9111 or contact us here.


 

Getting phone calls from debt collectors and others can GET YOU PAID.

Any debt collection voice-mails you get may entitle you to up to $1,000 if the collector doesn’t make a “Foti” disclosure or fails to otherwise make “meaningful disclosure of the caller’s identity”–the debt collector doesn’t have to curse or say nasty things to violate your rights. But when they do (like you’ll hear in this short mixed clip sampling of the very worst debt collection voice mails we’ve ever heard), you could be entitled to tens of thousands of dollars or more! And no matter how much or how little you recover, the collector has to pay your legal fees. WARNING NSFW– Contains graphic language.

If this has happened to you, call us for a FREE review at 888-595-9111 or use our quick contact form.


 

What would you do with an extra $1,000 or more?

EFTA_attorney_reviewHave you ever heard the saying “the devil is in the details?” Well, with regard to the Electronic Funds Transfer Act, “the dollars are in the details”—when the “details” are the fine print that accompanies all electronic fund transfer agreements. Simply put, you can stop a pre-authorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. Any pre-authorized electronic fund transfer agreement that says otherwise violates the EFTA (and if your agreement for a pre-authorized electronic fund transfer isn’t in writing, that too violates the EFTA).

For example, the following pre-authorized electronic fund transfer agreements ALL VIOLATE THE EFTA:

  • An agreement that requires a consumer to notify an entity other than his or her financial institution to stop payment;
  • An agreement that requires a consumer to notify his or her financial institution, or an entity other than his or her financial institution, in writing to stop payment;
  • An agreement that requires a consumer to notify his or her financial institution, or an entity other than his or her financial institution, more than three days preceding scheduled date of transfer to stop payment.

When your EFTA rights are violated, you are entitled to up to $1,000 statutory damages, plus actual damages, plus attorney fees. Click here to submit any and all EFTA agreements you’ve received in the last year to see how much you are entitled to.

EFTA_getcash


 

Has money been taken from your checking account without your authorization?

electronic_fund_transfer_actThe Electronic Fund Transfer Act (EFTA) is a Federal Law which provides consumers protection when engaging in electronic fund transfers including, direct deposits, point of sale (POS), debit cards withdrawals, ATM cards, and credit cards sales. Violations of the EFTA may entitle you to up to $1,000 in statutory damages, plus actual damages, plus payment of your attorney fees.  If you’d like to read more about the EFTA  click here.

If this has happened to you, call us for a FREE review at 888-595-9111 or use our quick contact form.


 

You Can Fight Debt Collector Abuse!

debt_collection_abuseJust because you owe a debt, it doesn’t give a debt collector or collection agency the right to treat you unfairly.

free_debt_helpNearly all states have enacted Fair Debt Collection Statutes to regulate debt collection.  These laws mirror the protections offered to consumers in the Federal Fair Debt Collection Practices ActHere is a list of several debt collection tactics that are against the law.

In addition to making bad debt collectors stop their collection efforts against you, these laws and other related “must know” consumer protection statutes can provide victims of debt collection abuse monetary damages of up to $1,000.00! In certain cases, additional damages can be awarded to a victim for malicious misconduct or intentional harm caused by the debt collector and the debt collector pays your attorney’s fees!

If you believe you are a victim of illegal or unfair debt collection practices, submit your information to a FREE* Fair Debt Lawyer


 

Are Mistakes, Inaccuracies And Other Chicken Poop On Your Credit Report Causing You High Interest Rates and/or Loan Employment Denials?

credit_report_errorIf your credit report isn’t completely accurate, it could be costing you thousands of dollars in lost credit and employment opportunities. The Fair Credit Reporting Act protects your right to an accurate credit report.  Get yours FREE at www.AnnualCreditReport.com and review it for any problems. If there is anything on it that you think shouldn’t be there, call us for free help.

Call our offices at 888-595-9111 or use our contact form here.


 

A Florida Couple Wins $1 Million Lawsuit For Outrageous Robocall Harassment

Bank of America is being forced to pay out a huge damage award to a Florida couple after the bank made over 700 robocalls calls in four years. This latest example of alleged abusive and harassing  behavior has cost the bank tens of millions.

The Telephone Consumer Protection Act makes it illegal to use a computer to auto dial, robo call or robo text your cell phone without your consent. It’s $500-$1,500, PER CALL, anytime anyone ever does that to you. You can tell a call is auto dialed if you get a prerecorded message or when there is a long pause between when you answer the phone and when the caller says “hello.”

If you are receiving robo calls, or think you are receiving robo calls, contact us for a FREE case review. We will listen to your experience and let you know if you have a case, with no obligation to you.  The consultation is free and the representation is no cost to you. Protect your right to privacy.

Contact us today at 888-595-9111 for free information about how to protect your consumer rights.


 

Bigger is Better, When It Comes To Bank Accounts.

freedebthelpWhen you make minimum payments on high revolving balances, you are your wasting hard earned money while NOT helping your credit; the concept of monthly minimums is a myth perpetrated by the credit card industry because THEY MAKE MONEY from your minimum payments. The only way to truly stop the vicious revolving cycle of debt is to stop making minimum payments and work through your options.

By enrolling in a debt settlement program powered by Debt Help Lawyers, you can end the cycle of debt and rehabilitate your credit—faster and easier than bankruptcy (a bankruptcy stays on your credit report for 10 years!). Plus, debt help lawyers can enforce your basic must know consumer protection rights and get you compensation that you can put towards settling your debt.

Get a FREE debt settlement consultation, there is no obligation.

 


Getting phone calls from debt collectors and others can GET YOU PAID.

debt_collector_phone_harassmenthow_do_I_stop_collection_callsThe Telephone Consumer Protection Act makes it illegal to use a computer to auto dial, robo call or robo text your cell phone without your consent. It’s $500-$1,500, PER CALL, anytime anyone ever does that to you. You can tell a call is auto dialed if you get a prerecorded message or when there is a long pause between when you answer the phone and when the caller says “hello.”

 The Fair Debt Collection Practices Act makes all sorts of unappealing debt collection activities illegal, and it’s up to $1,000 or more in your pocket when this law is violated.

Both laws provide for attorney representation at NO COST TO YOU.


 

What’s Wrong With This Picture?

fdc_page_clonesIs it the guy with the size 2.38″ hat size?  Or maybe you feel a cyclops shouldn’t be working in the collections department?  Whatever the case may be there are actually 3 main things wrong with this picture that are directly related to consumer rights under the Fair Debt Collection Practices Act.

The Debt Collector Here Is Committing 3 Violations.

  1.   A debt collector may not communicate with a single 3rd party more than once.
  2.   A debt collector may not contact a 3rd party about your debt for any purpose other than to locate you.
  3.   A debt collector must disclose the caller’s individual identity in every telephone call to you.

 

What’s Wrong With This Picture?

whatswrong_450wSure he has an exorbitant amount of chest hair to be wearing a half shirt and yes, perhaps his hair is indeed a bird.  Combine that with the fact he has 6 fingers, unusually long lateral incisors and wildebeest cranial implants and the laundry list of “wrong” just gets longer.  That being said, the #1 thing wrong with this picture has nothing to with his fashion sense or even his manscaping choices.  It’s the fact that he is directly violating the Fair Debt Collection Practices Act with his phone call.

Your Rights

Under the FDCPA, a debt collector cannot disclose to a 3rd party that a debt is allegedly owed. The only reason a debt collector may contact a 3rd party is to locate the individual they are calling about.  You can view additional consumer rights by viewing the: TOP 20 MYTH BUSTERS

 


fair debt collection debt help

If you believe you are a victim of illegal or unfair debt collection practices, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000.00, plus any actual damages suffered, plus attorney fees!

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

17 comments

  1. I’m on the “do not call list” and I’m still getting calls from survey and others. I’ve got to the point I don’t answer my phone.

    • You should track all such calls using our call log. Fax or email it to us periodically and we will review it and cross check the calling numbers free of charge. And if you any TCPA claims arise, we’ll get you paid.

  2. I actually this week had a debt collector with draw a payment from my checking acct the very same day they cashed our payment check. After my wife and I specifically stated we did not want a direct withdraw set up to make the payment. The worst part is that withdraw put my acct in the negative and cost us an over draft fee. I called and the person I spoke to on the phone was unwilling to help me resolve the issue and then got snotty. I then asked to speak with her supervisor and she told me it would be of no use I told her to transfer me anyways she said “fine she won’t answer anyways.” And then I say on hold for twenty minutes and was livid the phone then rang twice and what do you know voice mail.

    • You may have experienced a Fair Debt violation(s), as well as a potential EFTA violation. Please call us today! The Debt Help Lawyers at this site can provide you a FREE, no obligation Fair Debt consultation. Give us a call and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Call us at 888-595-9111 and we’ll get you taken care of.

  3. I keep getting calls from people trying to sell me extended waranties on my car…usually the wrong car and trying to get me to go back to school.

    • When you answer the call does the caller respond or is there a several second delay? This is the hall mark of auto dialed/robo calls. The machine dials, the recipient picks up, then the machine finds an available person at the caller’s location to transfer the call to. If no one is available, the called party gets dead air until someone is available. The Telephone Consumer Protection Act regulates such calls and provides damages for the annoyance and inconvenience to the called party per call. Call 888-595-9111, talk with one of our legal assistants about the calls.

  4. I get automated phone calls at least 4 times a day from the same company. does this fall under that category?

    • Yes.You may have experienced a Fair Debt violation(s), the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. Save the letter and start a call log The worst thing to do is nothing, so call us now share the details with one of our legal assistants 888-595-9111 and we will get started figuring out how to help you!

  5. Every month, I go through about 3 days in a row where they call me at least 40 times in a day, and offer me a loan. I tell them I do not want a loan and they hang up and call again from another number. They cuss at me and start to ask “is mother fucked there?” They are all Indian so I feel like it is out of country but they use numbers from all over the easy coast. I will wake up to 15 missed calls. And the more I tell them to stop calling, the more they harass me. I also have a full voice mail constantly because of it.

    • Yes.You may have experienced a Fair Debt violation(s), the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. Start a call log and give us a call now, share the details with one of our legal assistants 888-595-9111 and we will get started figuring out how to help you!

  6. I get calls several times a day all with a delay when I say hello. All asking for some Eric and hang up when I say this has not been his phone for over 3yrs. And if I try to call the number back it is always disconnected. They don’t even give me the time to ask not to call again. Sometimes no one responds and they just hang up.

    • When you answer the call and the caller doesn’t respond or there is a several second delay- This is the hall mark of auto dialed/robo calls. The machine dials, the recipient picks up, then the machine finds an available person at the caller’s location to transfer the call to. If no one is available, the called party gets dead air until someone is available. The Telephone Consumer Protection Act regulates such calls and provides damages for the annoyance and inconvenience to the called party per call. Call 888-595-9111, talk with one of our legal assistants about the calls.

  7. I’ve had many calls from debt collectors or scam artists trying to get money out of me when I never received a loan and when I call them out they get angry and yell at me. I also keep getting text messages offering me loans. It’s ridiculous.

    • Sounds like a non-viable debt collector. To be certain, keep a log of the calls, if they call tell them to send you a letter. Then call us we would be happy to provide a free evaluation. 888-595-9111

  8. I have a debt collector call my parents house and talk to my mom about my debit I had with them. She has given them my contact info and I have never gotten a call once. They keep calling. The one time my dad answered they got mad and told him to pay the debit. He hung up on them

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