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How do I stop the calls?


hopelessinghana
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What's sad is that someone would come into a ten month old thread just to be a flamethrower. :complainer:

The issue of "unwanted phone calls" is not something that can be answered in one line or one post and is wholly dependent on a consumer's specific circumstances.

However, if you think you have THE answer for the OP (who by the way hasn't logged into his/her account since making his/her one post) then by all means, please feel free to enlighten us all.

Or are you just resorting to attacking the other posters in this thread because you have nothing substantive of your own to offer??? :hmm:

You should read the section on false logical arguments.

So I make a comment which you don't agree with and you respond by name calling. No wonder the original poster never posted again.

After ten months of arguing you two are hopelessly deadlocked. You think that a limited C&D does not work and I am inclined to agree, or at least not to trust it. Your opposition takes a literal interpretation of the inconvenience clause which was preceded by an unusual clause and it seems obvious that the inconvenience clauses were inserted to define what is an unusual time anyway, well let the consumer specify when, such as if the debtor sleeps all day and works at night he may change the inconvenient hours, that is or live with the default, but it should be obvious that congress never intended a 24/7 exclusion on calling as a definition of unusual calling times.

You asked if I had THE answer, and well, I can put in my 2 cents worth. I am trying.

"Under the FDCPA (spelled out)

1) I dispute the entire debt.

2) I ask that the debt be validated itemizing all charges especially additional charges including copies of all documents, signed, authorizing you and all creditors named or unnamed to collect the debt and the name and address which is different from the name with no address that you provided as creditor (assuming he had given no address and I don't know it, otherwise the wording is different.) And since you are a collection agency collecting a debt allegedly occurring in the state of Washington please provide your Washington State business address and the hours you are open to the public.

and that you

3) Cease All Communications"

Maybe I should add that [you should assume] all telephone communications will be recorded. (WA is a 2 party state.) Although I like the idea of saying this when the call takes place but in case I forget this can't hurt.

Remarks: 1 Not only do I agree with you at least to the point of saying why take a chance, but I also believe that written/other communication can be as abusive as telephone, and if you could say just telephone what if they hand deliver a notice, how would that feel. Well if you were allowed to exclude or waive say mail communication you should say it that way, cease all except mail is waived, but that is not what I would do.

2. I don't know all the things I can ask for under this but I tried.

3. OK, so if the collection agent does not respond to 2, then he is violating 3 or is he? I see it as his problem. If he only validates the debt then I probably would not accuse him of violating 3 but if he did more then that is another story. If he doesn't respond to 2 based on 3 then he can't legal proceed with collection which is fine by me. Since I put 3 before 3 it is open to interpretation that he was to respond to 2 (which he was supposed to have done in the initial letter anyway) and then do 3, cease communications. I could add "except as required by law" but the act already provides for some exceptions so adding that would be redundant.

Recall the admin said 'I would go with a validation/cease communication combo."

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Your opposition takes a literal interpretation of the inconvenience clause which was preceded by an unusual clause and it seems obvious that the inconvenience clauses were inserted to define what is an unusual time anyway, well let the consumer specify when, such as if the debtor sleeps all day and works at night he may change the inconvenient hours, that is or live with the default, but it should be obvious that congress never intended a 24/7 exclusion on calling as a definition of unusual calling times.

You asked if I had THE answer, and well, I can put in my 2 cents worth. I am trying.

"Under the FDCPA (spelled out)

1) I dispute the entire debt.

2) I ask that the debt be validated itemizing all charges especially additional charges including copies of all documents, signed, authorizing you and all creditors named or unnamed to collect the debt and the name and address which is different from the name with no address that you provided as creditor (assuming he had given no address and I don't know it, otherwise the wording is different.) And since you are a collection agency collecting a debt allegedly occurring in the state of Washington please provide your Washington State business address and the hours you are open to the public.

and that you

3) Cease All Communications"

Maybe I should add that [you should assume] all telephone communications will be recorded. (WA is a 2 party state.) Although I like the idea of saying this when the call takes place but in case I forget this can't hurt.

Remarks: 1 Not only do I agree with you at least to the point of saying why take a chance, but I also believe that written/other communication can be as abusive as telephone, and if you could say just telephone what if they hand deliver a notice, how would that feel. Well if you were allowed to exclude or waive say mail communication you should say it that way, cease all except mail is waived, but that is not what I would do.

2. I don't know all the things I can ask for under this but I tried.

3. OK, so if the collection agent does not respond to 2, then he is violating 3 or is he? I see it as his problem. If he only validates the debt then I probably would not accuse him of violating 3 but if he did more then that is another story. If he doesn't respond to 2 based on 3 then he can't legal proceed with collection which is fine by me. Since I put 3 before 3 it is open to interpretation that he was to respond to 2 (which he was supposed to have done in the initial letter anyway) and then do 3, cease communications. I could add "except as required by law" but the act already provides for some exceptions so adding that would be redundant.

Recall the admin said 'I would go with a validation/cease communication combo."

Wow I know I'm not the only one totally lost here....... :confused::lol::<img src=:'> :lol:

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You should read the section on false logical arguments...

I am not arguing - what I don't agree with is your hijacking a thread and doing so starting with insulting people - four of your total of five posts in the forum have been in this ten month old thread trying to argue with people and accusing them of not having answered the OP's question (as if you care)...those are the actions of a flamethrower.

What makes you inserting yourself into this thread even worse is that your rants, (talk about logical or lack thereof) make no sense.

I suggest you go find a current thread and actually try to help someone.

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Is the daycare center closed yet? Sheesh....

Back to the original question....

A recorder is the most valuable tool available in dealing with collectors, but only if you live in California where you can use Rosenthal and sue through the small claims court system or if you intend to sue at the federal level, either pro se or with an attorney. I have sent digital photos of my caller ID to collectors' registered agents with great success. The one line that ALWAYS works is

"Excuse me, I need to inform you that this call and the line it is originated from is being recorded."

I have never had to speak with the same CA more than twice with this method. After this, STAY OFF THE PHONE. Do not identify yourself, do not say anything other than you are recording them and their line. Whether you really are or not, it works and is really quite fun.

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What's wrong with what I said in post #3?

DH

So what you are saying is if I have a letter then just send a DV, a request to validate presumably with a request for correct name/address of OC and leave the disputed and cease communications till they respond to that. So all I need to do is figure out what is the simplest DV I can write while still saying what it has to say.

The answer to your question is that your post number 3 got lost by me in the other 5 or so pages of banter going back and forth on unlimited inconvenient hours and partial cease communication letters.

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