When I received my first phone call at work from this creditor, I requested they only call my home phone (which they have). Since my first request, I have had at least three more phone calls and two e-mails (not quite sure how they got my e-mail address).
I have since made my second request to have them stop calling me at work. Should I take further action? Send an e-mail? Send a certified letter?
I thought once you asked, you shouldn't/didn't have to ask again. By the way, my husband and I are making payments, it's not as if we are ignoring our responsibility to pay the loan.
There is a Federal Fair Debt Collections Practices Act (FDCPA), but it doesn't apply to creditors who are collecting their own accounts. Several states have adopted the federal law but made it applicable to creditors, too.
If you are paying the loan regularly, even if you're behind a bit, a creditor normally will work with you without calling you at work if you ask, even if they aren't legally required to honor the request. They typically will spend more time with accounts that require more effort, so you can best get them to ignore you by making those regular payments.
Something else that gets creditors upset -- and likely to call -- is missing a promised payment date. If you're not going to be able to meet a promised deadline, it's always preferable to be proactive and call the creditor to let them know what to expect. Finally, even if you realize that you're going to be having a rough time meeting your obligation, you'll get a lot fewer calls if you start the conversation with your creditor. Creditors don't like not getting paid. They like less being surprised with bad news.
BankingQuestions.com is a free service made possible by the generous support of our advertisers. Advertisers are not responsible for site content. Please help us keep BankingQuestions.com FREE by supporting our advertisers. When you see an ad for a product or service you may have an interest in, click through to learn more.
Accounts
Article
Q&A
Podcast
Video
Blog
Discussions
PDF
Powerpoint
There is a 