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ktigs
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Hello everyone! 

My question of the day is about AMEX. We have a charge off for $3700+. It's still with AMEX and has not been sold off. My question is do they have laws they need to abide by as far as how many times they can call the consumer? They call my cell 4-5 times a day. I block the number, and they spoof with another number similar to the one I blocked. They start promptly at 8 am and stop right before 9 pm. 

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26 minutes ago, ktigs said:

Hello everyone! 

My question of the day is about AMEX. We have a charge off for $3700+. It's still with AMEX and has not been sold off. My question is do they have laws they need to abide by as far as how many times they can call the consumer? They call my cell 4-5 times a day. I block the number, and they spoof with another number similar to the one I blocked. They start promptly at 8 am and stop right before 9 pm. 

If the Amex inside collection department is calling, the FDCPA does not apply.  Do they leave a message?  How do you know all the calls are about the AmEx debt?  Is it still within the SOL? 
 

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Just now, BV80 said:

If the Amex inside collection department is calling, the FDCPA does not apply.  Do they leave a message?  How do you know all the calls are about the AmEx debt? 

They've only left a few voicemails. That's how I found out these calls were from AMEX.

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Just now, ktigs said:

They've only left a few voicemails. That's how I found out these calls were from AMEX.

You may need to contact a consumer attorney to see if the multiple calls violate the FDCPA.  Is the debt within the SOL?

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Just now, BV80 said:

You may need to contact a consumer attorney to see if the multiple calls violate the FDCPA.  Is the debt within the SOL?

Thanks for the swift advice! Yes, but will be out of SOL in a couple months. 

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1 minute ago, ktigs said:

Thanks for the swift advice! Yes, but will be out of SOL in a couple months. 

Ok.  First, you need to make sure that the calls are not coming from AmEx’s inside collection department because the FDCPA won’t apply.  It only applies to outside debt collectors.  However, the TX Debt Collection Act might apply.  A TX consumer attorney could tell you what to do. 

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1 minute ago, BV80 said:

Ok.  First, you need to make sure that the calls are not coming from AmEx’s inside collection department because the FDCPA won’t apply.  It only applies to outside debt collectors.  However, the TX Debt Collection Act might apply.  A TX consumer attorney could tell you what to do. 

I will definitely look into this. Thanks for pointing me in the right direction!

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