I wish to file a suit against a debt collection agency who continues to contact me even after I sent them a certified letter asking them to "cease all communication" with me, my family members, neighbors, and employers pursuant to 15 U.S.C. Section 1692 (c) Federal Debt Collection Practices Act, Section 805(c).
They have violated several laws by continuing to do so...and also contacting me at inconvenient times of the day, on my cell as well as my landline phone.
I owe a debt to a credit card company, in which I dispute the total amount and it has been turned over to this agency.
I do not understand why they continue to contact members of my family who have absolutely nothing to do with my debt. They are not co-signers and cannot help them or myself out in any way,..nor do I expect them to.
I just want them to leave my family out of this. Harassing consumers will not get them money any quicker...as a matter of fact, it will not get them money at all in most cases.
According to some legal research that I did, collection agencies cannot discuss a consumer's debt with a 3rd party.....so I do not understand why they choose to contact members of my family. They are clearly violating laws.