StupidTax Posted April 14, 2003 Report Share Posted April 14, 2003 Hi all,I am about two months late paying my Discover card account. I have been getting numerous phone calls daily from Discover at my home. On April 1st, they called my place of work - I'm a temp. so my home office called me and told me that someone had called for me. I called Discover back and told them they were not allowed to call me at work and that I would be sending a certified, ret. receipt letter the very next morning to them, which I did. I kept copies. I got the receipt back and it was dated April 4th. On April 10th, I received an email from my home office again stating that I had received a personal phone call. I called the number and it was Discover. I informed the lady that I had verbally told them not to call at work on the 1st and had sent the letter the 2nd and that I knew they had received the letter. Also, I told her that they were in violation of the FD Collections Act and quoted the section number and the passage. She did not say a word. I again reiterated verbally that I was not to be called at work.So, do I have grounds to sue them? If so, how do I go about doing that? Will that push them to sue me? What irritates me is that I really get into trouble if I receive personal phone calls at work, being a temp. I don't mind them calling me at home really because my answer is always the same: I will pay them as soon as I catch up my NECESSARY living expenses - IE: food, housing, and electricity, and I absolutely mean it. But, work is a totally different story.Thanks for your input! StupidTax Link to comment Share on other sites More sharing options...
bingo Posted April 14, 2003 Report Share Posted April 14, 2003 Unless you live in a state with consumer protection laws that apply to the orginal creditor, Discover is violating no FDCPA laws. I'll say this, Discover is one more mean and nasty player and needs no encouragement to sue. This is one company I wouldn't threaten. Link to comment Share on other sites More sharing options...
StupidTax Posted April 14, 2003 Author Report Share Posted April 14, 2003 Thanks bingo for your reply. How can I find out if my state (Missouri) has consumer laws for the original creditor? So, they're allowed to call me at work as much as they want? That doesn't seem reasonable....Thanks again!StupidTax Link to comment Share on other sites More sharing options...
Swede Posted April 16, 2003 Report Share Posted April 16, 2003 <blockquote>Originally posted by StupidTaxThanks bingo for your reply. How can I find out if my state (Missouri) has consumer laws for the original creditor? So, they're allowed to call me at work as much as they want? That doesn't seem reasonable....</blockquote>Check this link http://www.lawdog.com/states/mo/st1.htm Link to comment Share on other sites More sharing options...
StupidTax Posted April 17, 2003 Author Report Share Posted April 17, 2003 Thanks Swede! I called my Attorney Gen. office yesterday and they said the OC is allowed to call at work but they could possibly help if I filled out a complaint form. But, what should I do at this point? Bingo's response has me petrified of getting sued now. I've already sold off pretty much every thing I can and cut all of my expenses to the bone. If they were to sue, what would they do to me? I've never been in court for anything. Thanks Link to comment Share on other sites More sharing options...
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