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Latest Comments for 813-904

2016-03-17 04:15:37
Who told you that and what is their source? I keep hearing this 3 call limit and can find no basis in the FDCPA which would be the controlling law in this case. There is no limit on calls per day, but the amount of calls as well as the timing of the calls would be taken into consideration. Also, the FDCPA limits you to $1,000 period plus attorneys fees. State laws may vary so if you are quoting a state law please post it.The FDCPA can be found here: ... es-act-text#805CPFB Here: Relevant parts to the FDCPA: 806. Harassment or abuse [15 USC 1692d]A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.(4) The advertisement for sale of any debt to coerce payment of the debt.(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the callers identity. 813. Civil liability [15 USC 1692k](a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of --(1) any actual damage sustained by such person as a result of such failure;(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or(B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and(3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.(b) In determining the amount of liability in any action under subsection (a), the court shall consider, among other relevant factors --(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or(2) in any class action under subsection (a)(2)(B), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.(c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.(d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.(e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.Unresearched first hand knowledge which misinforms is just as harmful to people as the slimy tactics these debt collectors use to extort money from people.

2016-03-17 21:30:59
Thanks for the good work! You just saved me some $ which I will send to a more worthy charity--if you can even call the BCRSF a charity.

2016-03-17 10:29:46
Got a call about paperwork my brother needed to sign. Considering I have not spoken to my brother in 17+ years and never gave him my phone number. When I called and ask what the F . would not say what it was about. Or who they were. Sounds like a scam.

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