Legal Question in Credit and Debt Law in California

Harrassing Phone calls - Please help!

I have a collection account that was opened in 12/02. No pymts made. The Collection company contacted me regarding. I didn't remember bill & asked for copy of contract. Legally, it was mine. After doing research (scared of lawsuit) I realized they can no longer collect. When they called back, I asked them to please not call me again. 2 weeks later I get an ''invoice'' for payment/settlement. Just this weekend they called me again. I was upset & informed them that legally they are not allowed to contact me any more & please dont call again. The man started yelling at me asking why I don't pay my bills! I was Furious and told him that any further contact is against the law & I would be reporting him. He litterally said good and I will report this as a refusal to pay. What do I do now??? I've been trying to clean up my credit & this is the only outstanding bill left, should I pay to protect my credit?


Asked on 2/27/08, 10:54 am

1 Answer from Attorneys
Jonathan Stein Law Offices of Jonathan G. Stein

Re: Harrassing Phone calls - Please help!

The last thing you should do is pay it. Send them a letter telling them not to contact you. You can find a sample at Bud Hibbs' website, www.budhibbs.com. If they call you after that, you should sue them for FDCPA and Rosenthal Act violations.

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Answered on 2/27/08, 10:58 am


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