Hi Cindy L., I’m sorry to hear about your experience with repeated calling. You say that Massachusetts has it right by limiting the number of calls debt collectors can make (2 communications within a 7-day period for personal phones and only 2 in a 30-day period for work phones). Do you think this is the right way to go? Or should the CFPB do something different?
I don't believe in abusive behavior (i.e. the behavior spelled out in the FDCPA), but what this individual is saying that she owes a debt that she is not paying. Instead, she wants to be the offensive party and paint the collector into a corner using a recording device. Instead of purchasing a recording device, wouldn't she just be better served by using that money to pay the debt collector for the debt she owes?
Why should the consumer pay a filing fee at all if the collector is at fault? That could be a hardship on many people. The collection agencies need to follow the rules of doing their validation correctly, and this would not be an issue.
Moderator
1
Hi Cindy L., I’m sorry to hear about your experience with repeated calling. You say that Massachusetts has it right by limiting the number of calls debt collectors can make (2 communications within a 7-day period for personal phones and only 2 in a 30-day period for work phones). Do you think this is the right way to go? Or should the CFPB do something different?
View this comment in the discussion thread
Aaron Racicot
2
I don't believe in abusive behavior (i.e. the behavior spelled out in the FDCPA), but what this individual is saying that she owes a debt that she is not paying. Instead, she wants to be the offensive party and paint the collector into a corner using a recording device. Instead of purchasing a recording device, wouldn't she just be better served by using that money to pay the debt collector for the debt she owes?
View this comment in the discussion thread
gmt512
3
Why should the consumer pay a filing fee at all if the collector is at fault? That could be a hardship on many people. The collection agencies need to follow the rules of doing their validation correctly, and this would not be an issue.
View this comment in the discussion thread