continuous phone calls from creditor at work

What is the name of your state? Nevada. I have sent 6 faxes per creditors request to stop calling me at work and harrassing me about being late on car payment. Theyrequested I send them a fax to stop the calling at my place of employment, I have resent it 5 more times because the calls persist. I have even gone to the BBB website and got name and fax number of VP with company and faxed to her, but again the calls to my place of employment continue. What should I do? I thought once you notified them you were not allowed to get calls like that at your work it was illegal for them to continue? Thanks for any help in this matter.

[Ladynred]

Unfortunately, you're dealing with an original creditor and they don't HAVE to heed a cease and desist letter. Each time you fax this, do you get a delivery confirmation page ??

You might try mailing them a C&D letter, certified, RRR and tell them you are NOT allowed personal calls by your employer and by their continuous harrassment they are jeoparding your job. They won't get much money if you lose your job.. even THEY should be able to figure THAT out.

[HomeGuru]

Writer. what type of creditor is this; a third party ie. collection agency or direct ie. mortgage company, school, hospital, cc card company etc.?

Guru,

It is the collection Dept. for an Auto Finance company.


Lady,

I have gotten confirmation receipts on all the faxes I have sent. I appreciate the guidance.

[JETX]

Mad: As noted, if this contact is being made by an 'internal' collection department of the creditor, the FDCPA does not apply to them.... and there is no statutory prohibition against them contacting you.

The theory behind Congress exempting creditors from the FDCPA is that, as a customer, the creditor would NEVER abuse you and risk damaging that 'customer relationship'.

[Ladynred]

Yeah.... right.. and if anyone believes THAT one, email me.. there's a bridge in Brooklyn I'd like to sell you !!!!

I'm sure many individuals in Congress would be happy to purchase that item from you, Ladynred. May want to throw in some oil to seal the deal, though.

Writer, Ladynred gave very good advice. I don't want to step on her toes, but I have one additional thing to add to the mix. They may or may not "care" that you'd lose your job. A lot of these collection idiots are just that - idiots. They've been trained to do what they do, and have no idea how it affects their company's bottom line (and/or don't care.)
You might add to Ladynred's statement of "If these calls continue to my place of employment, I may lose my job. Thus, I will be unable to pay" the following:
"If I were to lose my job and lose my ability to pay, I would be legally and realistically bankrupt. I would be forced to discharge the balance as such. I look forward to your ethical and business-savvy cooperation and assistance in maintaining a positive accounting status."

JUST a suggestion. Don't think this is what you HAVE to do by any means. The threat of bankruptcy to a secured creditor is one they really have to take into consideration. They can take your car and then you can discharge the balance, or they can let you keep it and work with you civilly on payments. Which one would land them more money in the end? I think we ALL know which.
They are in the business of risk, and should understand that pretty well.
Having said that, I'll save my name-calling and bitching about how unprofessional and damaging their actions are.

Travel on over to this site:

[url]http://ripoffreport.com/[/url]

If you see your loan servicing company on there, check out what others have to say about them. Whether or not there's anything else out there, be a good samaritan and add your own entry for them and be as specific as possible.