saltydog Posted October 26, 2004 Report Share Posted October 26, 2004 I find my self being hounded, annoyed and harrassed by GC Services. It is not even my account....but the account of a family member who has not resided here for 5 years or more. They have even gone as far as calling and annoying my neighbor on several occassions trying to obtain information and discussing the situation with her.Is there a "third party" cease and desist letter that I can send these people? When you won't cooperate with them they become rude and obnoxious. I'm tired of having to deal with them. How do I get them to go away?? Link to comment Share on other sites More sharing options...
gprncss Posted October 26, 2004 Report Share Posted October 26, 2004 Send them the cease and desist letter, don't forget to site all the violations they have ranked up so far and how you can sue, intent to sue if they continue!Check on www.Planetfeedback.com and see if you can also put their ignorant @@@ out there! Link to comment Share on other sites More sharing options...
LadynRed Posted October 26, 2004 Report Share Posted October 26, 2004 Violations, violations, they're wracking up plenty of them. Calling your neighbors for LOCATION information ONCE is permissable, after that it is NOT LEGAL. If they already HAD correct info on you, then their contacts with your neighbors were illegal from the get-go. Further, if its not your debt, they are really screwing themselves by discussing this person's debts with you !!Send the C&D and file complaints with the FTC, your state Attorney General, and the AG the state where GCS is. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 26, 2004 Report Share Posted October 26, 2004 So, a CA can only call your neighbors one time? Oh boy, if thats true I have Foley's by the nuts...theyve called 20 something times to each of my sister's neighbors! Link to comment Share on other sites More sharing options...
Guest Posted October 26, 2004 Report Share Posted October 26, 2004 Debt collectors may only call your neighbors, family members 1 time. However an original credtior can harrass them non stop until your family or neighbors tell them to stop.But remember.. you do NOT have to be the person who owes money to the CA to sue them.. the FDCPA doesnt say you have to be the debtor.. only the consumer... Have fun! Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 27, 2004 Report Share Posted October 27, 2004 Debt collectors may only call your neighbors, family members 1 time. However an original credtior can harrass them non stop until your family or neighbors tell them to stop.But remember.. you do NOT have to be the person who owes money to the CA to sue them.. the FDCPA doesnt say you have to be the debtor.. only the consumer... Have fun! oh boy oh boy oh boy! It is Foley's collection department. Still considered a CA, correct? Link to comment Share on other sites More sharing options...
LadynRed Posted October 27, 2004 Report Share Posted October 27, 2004 Not unless they identify themselves as something other than Foley's. If its in-house collections, and they work FOR the OC, they are not considered 3rd party debt collectors and bound by the FDCPA. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 28, 2004 Report Share Posted October 28, 2004 Not unless they identify themselves as something other than Foley's. If its in-house collections, and they work FOR the OC, they are not considered 3rd party debt collectors and bound by the FDCPA. but does a C&D do not call still work for the OC? And would it hold up in court? Link to comment Share on other sites More sharing options...
baglady Posted October 28, 2004 Report Share Posted October 28, 2004 The Texas version of the FDCPA Texas Finance Code New law (Section 392.02) enacted 9/1/03 It might have something regarding OC's. Link to comment Share on other sites More sharing options...
retmar Posted October 29, 2004 Report Share Posted October 29, 2004 Check TX law to see before you attempt this. As LadynRed said, internal is not liable unless your State says so. Therefore, read baglady's reference to double check first. Link to comment Share on other sites More sharing options...
anti-something Posted October 29, 2004 Report Share Posted October 29, 2004 but does a C&D do not call still work for the OC? And would it hold up in court?i dont think so under tx law. it only states that they may not harrass, nothing about not calling if they know it is inconvenient.§ 392.302. HARASSMENT; ABUSE. In debt collection, a debt collector may not oppress, harass, or abuse a person by: (1) using profane or obscene language or language intended to abuse unreasonably the hearer or reader; (2) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number; (3) causing a person to incur a long distance telephone toll, telegram fee, or other charge by a medium of communication without first disclosing the name of the person making the communication; or (4) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. Link to comment Share on other sites More sharing options...
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