Rebuilding Your Credit

[time4change]

I think that i have read before that CA's have certain times that they are allowed to call.  Is this true and if so what are the hours and can they call anyday of the week?  I am sure M-F and sat what about Sunday?

[time4change]

If you know of where I can look to find this out.  I know I have read about it before I can not find anything in here when I search for it.

[MarineVietVet]

FDCPA 805(a)(1):

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s location;

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[O6]

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marinevietvet wrote:

FDCPA 805(a)(1):

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s location;

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

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+1 

[RobertEG]

i agree with the above responses.

I would just add that you can block all future communications by simply sending them a letter under FDCPA 805(c), advising them that they are to cease all further communication with you.

[MarineVietVet]

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RobertEG wrote:

i agree with the above responses.

I would just add that you can block all future communications by simply sending them a letter under FDCPA 805(c), advising them that they are to cease all further communication with you.

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Good point Robert. I left that very important piece of information out.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[SeanAndrews]

Can you send them a letter asking them to cease telephone communication with you, is that within your legal boundaries? I see alot on these boards that you are not supposed to talk to them on the phone, just in writing.

[MarineVietVet]

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SeanAndrews wrote:

Can you send them a letter asking them to cease telephone communication with you, is that within your legal boundaries? I see alot on these boards that you are not supposed to talk to them on the phone, just in writing.

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Yes you can. In fact this request must be in writing. You can't simply tell them over the phone to stop calling.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[SeanAndrews]

Is it OK to send that notification in your initial DV letter? Otherwise you would have to quickly follow up with that letter as soon as they reply to your DV, otherwise they will go on their phone calling spree.

[MarineVietVet]

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SeanAndrews wrote:

Is it OK to send that notification in your initial DV letter? Otherwise you would have to quickly follow up with that letter as soon as they reply to your DV, otherwise they will go on their phone calling spree.

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I could be wrong but I believe that is perfectly acceptable.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".