Horseface Posted July 14, 2006 Report Share Posted July 14, 2006 I received a call today from Creditors Financial Group at 7:20 am here in Arizona... it was not the first time that they have called but was the first time I spoke with them in awhile. Before the call went very far I informed the collector that it was 7:20 am and that he was not allowed to call that early. He proceeded to tell me that it was in fact 8:20 and he was allowed to call.. the conversation turned into an argument about what time it was until I asked him, " Are you calling me a liar?" to which he replied, " Yes I am." I then requested his name and phone # and to speak with his manager who he happily got for me because he was so sure it was after 8 for some reason.Turned out he was wrong. His manager calmly listened and agreed that his agent was in the wrong as I screamed, requesting that they never call me again etc. My question is, is this lawsuit material or not? I know they violated a couple of things.. Is it a cut and dry lawsuit case? Ive never sued anyone before. Link to comment Share on other sites More sharing options...
astiman Posted July 14, 2006 Report Share Posted July 14, 2006 It's not lawsuit material unless you have a paper trail.Have you DV'd them? With a limited C & D? Link to comment Share on other sites More sharing options...
Horseface Posted July 14, 2006 Author Report Share Posted July 14, 2006 Not familiar with all the abbreviations yet as all of this is somewhat new to me..I havent requested anything from them until today in the phone conversation when i asked them to stop contacting me. I thought they were in violation of FTC rules of harassment for calling me a liar and for the calls before a certain time. Link to comment Share on other sites More sharing options...
astiman Posted July 14, 2006 Report Share Posted July 14, 2006 Not unless you can PROVE it.You need a paper trail.DV them, if it's out of SOL. Link to comment Share on other sites More sharing options...
LadynRed Posted July 14, 2006 Report Share Posted July 14, 2006 DV = Debt ValidationSOL - statute of limitationsC&D - cease and desist Link to comment Share on other sites More sharing options...
dpgirl Posted July 15, 2006 Report Share Posted July 15, 2006 You should DV them and send a limited C&D but regardless they cannot call you at 7:20 AM. I am assuming you did not record the call but if you did sue, which you can, you can request their phone records which would show the call and the time they called. You should pursue this. I do hope that you at least wrote down the name of the supervisor you spoke to. If you have called ID can snap a picture of the name, phone# etc regarding this call? Link to comment Share on other sites More sharing options...
Horseface Posted July 15, 2006 Author Report Share Posted July 15, 2006 Its a relatively new collection actually so I dont think a DV would work.I have the 800# of the company and the guys name who called... unfortunately I wasnt prepared to keep records as it was the first time it happened to me. I thought I did a pretty good job just getting to the supervisor and knowing a couple basics....... which is pretty much where my knowledge is right now. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted July 15, 2006 Report Share Posted July 15, 2006 STAY OFF THE PHONE... talking to a supervisor?? NoI know you state you are new to this so make sure you have everything in writing.. a DV can not hurt you and you need to take some time to read this board.. and DV them.. make them prove they have info , many times a JDB does not... but dont get into a phone chat with them.. big mistake Link to comment Share on other sites More sharing options...
Horseface Posted July 15, 2006 Author Report Share Posted July 15, 2006 The phone conversation was they called, harassed, I told them where to stick it... not much else. Link to comment Share on other sites More sharing options...
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