I had taken out a few signature loans to rebuild my credit and ended ruining it more when i was unable to pay after the death of my grandmother and mother within 2 weeks of each other. The loan companies keep calling my job and have been asked not to call. I have sent the cease and desist letters as well asking for them not to contact me at work. I am on the verge of losing my job due to this. I have tried making payment arrangements with these companies but they are not willing to work with me. How or what can I do to keep them from calling my job.
Contact a consumer lawyer they are violating the FDCPA because of calling after work when they know they don't have permission.
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If possible, document all the dates and times calls were received at work, and what was said and who the caller was. This information will assist your lawyer in determining damages for violation of the law. Typically the law allows a certain damage amount for each violation. Each call is a violation, so the damages will mount as the calls continue. When you correspond with the lender, do so by certified mail, return receipt requested. You will then have proof they received your letters. Locate an attorney who specializes in debt collection issues, and provide as much information as you can. Good luck!
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I would need a little more information but send a certified cease and desist letter. FDCPA does not apply to original creditors and only applies to collection companies. Texas does have a Debt Collection statute that ties into the DTPA statutes that are applicable to original creditors. Get all documentation and go see a consumer rights attorney that handles debt collection violations.
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