Re:Lobbyists Win Right to Bombard Student Borrowers with Rob...
by dragonwriter on Thursday October 29, 2015 @06:04PM
(#10474704)
> But if that is the route they want to go the FCDPA clearly states that they can force the debt collector to cease communication for the most part and the avenues that remain open are via written mail.
Most people aren't aware of the FDCPA and its not clear that debt collectors are all that compliant with it. In any case, the FDCPA only requires collectors to stop contact when they have received a written request from the debtor.
> I understand that sometimes an old number or something might be called in error but that has be a pretty rare thing and something easy to deal with on the receiving end.
Inaccurate numbers getting called (and not just "old numbers that were once valid for the debtor") isn't (AFAICT, from direct experience) a particularly rare thing, nor will debt collectors stop calling when they reach an inaccurate number (nor will they accept a request to stop calling at that number.)
> I think the best way to avoid robocalls from debt collectors is to not let your debt go into collections.
Sure, if by "your" you mean "no one who has ever been, either through intentional misrepresentation to avoid contact by debt collectors, or by past use, or for any other reason, had their account associated with your phone number".
Most people aren't aware of the FDCPA and its not clear that debt collectors are all that compliant with it. In any case, the FDCPA only requires collectors to stop contact when they have received a written request from the debtor.
> I understand that sometimes an old number or something might be called in error but that has be a pretty rare thing and something easy to deal with on the receiving end.
Inaccurate numbers getting called (and not just "old numbers that were once valid for the debtor") isn't (AFAICT, from direct experience) a particularly rare thing, nor will debt collectors stop calling when they reach an inaccurate number (nor will they accept a request to stop calling at that number.)
> I think the best way to avoid robocalls from debt collectors is to not let your debt go into collections.
Sure, if by "your" you mean "no one who has ever been, either through intentional misrepresentation to avoid contact by debt collectors, or by past use, or for any other reason, had their account associated with your phone number".