How to Stop an OC from calling after SOL runs out?

[Anonymous]

---

@Anonymous wrote:

If in fact this debt is past SOL, the next time the phone rings, cut them off and tell them that this debt is timed barred and if they call again you will sue and WIN in court.

The law well states, a collector may call BUT may not call to the point of harrassment or cause repeated calls.

If I am not mistaken they are allowed to call 2 times a day, once in the AM and once in the PM between the hours of 8 Am and 7-8 PM.

I once had a CA call while still within the legal hours for THEM, I told them I was an hour behind them and they just created a violation for calling me BEFORE 8 am, never heard from them again.

---

That law only deals with CA not the OC. And it depends on what your state laws are regarding the frequency of the calls from a CA. In WA they can only call 3 times a week.

[atl]

220 lates and a 550 score?? That is ridiculous...I have two collections and 6 lates and my score is a 553...

[Anonymous]

LOL. I was thinking the same thing. I have a 490 but I also have 12 good accounts, pays as agreed, never late. I read one post a while back and this person had 44 collections with a score in the 600. How?

[Anonymous]

With 44 CA's it might have something to do with the last time they reported and the age of the CO's.

Some may have been medical collections.

[llecs]

220?

Good, I don't feel as bad now for DW's 96 lates (w/ a 670 EQ (or TU?))

You'd probably have to check on the state-level as mentioned. About 10 plus years ago I wised up and opened a separate home phone and I give that number out to all creditors. The other line is reserved for friends and family and it under a fake name with th ephone company.

[davidboca]

Yes, She has some accounts in semi-good standing while others are in default. Her favorite pastime is QVC! Great merchandise, but for some very addictive.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

If in fact this debt is past SOL, the next time the phone rings, cut them off and tell them that this debt is timed barred and if they call again you will sue and WIN in court.

The law well states, a collector may call BUT may not call to the point of harrassment or cause repeated calls.

If I am not mistaken they are allowed to call 2 times a day, once in the AM and once in the PM between the hours of 8 Am and 7-8 PM.

I once had a CA call while still within the legal hours for THEM, I told them I was an hour behind them and they just created a violation for calling me BEFORE 8 am, never heard from them again.

---

That law only deals with CA not the OC. And it depends on what your state laws are regarding the frequency of the calls from a CA. In WA they can only call 3 times a week.

---

While the FDCPA may only apply to CAs, the TILA and state UCC applies to ALL. If it's past SOL then google the term Whychat and look for his SOL letter. Hopefully she hasn't actually been making payments on this account otherwise that would likely keep SOL alive.

[davidboca]

Her last voluntary payment was made sometime in 2001. Amex actually usurped a payment from her checking accou.nt back in early 2003, but it was without her knowledge and so SOL still applies.

The question is;  Which method to use to legally prohibit the collection folks (These are Amex employees, not a seperate collection agency) at Amex to stop telephoning daily.

[Anonymous]

---

@davidboca wrote:

The question is; Which method to use to legally prohibit the collection folks (These are Amex employees, not a seperate collection agency) at Amex to stop telephoning daily.

---

You can't. The OC has a right to call unless as was previously stated your state has laws that stipulate how often. What state is this? Some states have their own version of an FDCPA that does govern OCs as well.

[davidboca]

That answers the question!  Florida does not have within it's Statutes of  Limit/Repose. I think I'll help further by lending her my very annoyingly loud and very obnoxious telephone fax machine to be used ala  the previously proposed Fused's suggestion.

Thanks all!