Lousy Rotten People

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Complaint

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Tena
Country: United States
I've been dealing with CPS for a couple of years now.  I've been called names, been harassed at work, even when I've asked them not to call my work number numerous times and have given them my cell number, and have been threatened.

When I make a payment or right after I've made a payment they ask me when I'm gonna make "the" other payment.  When I ask what payment they tell me I'm a payment behind.  They'll tell me I missed August if I'm paying September.  When I research and tell them I made the payment for August, the date, the dollar amount, etc., they'll tell me I didn't make the payment for July.  We do this over and over.  This last time I was making my November payment and they started harassing me for my past due payment and they went all the way back to October of 2010.  My car financed with them was totaled in 2007.  They won't cut the interest payments and they won't consider it gone.  If anyone sues, please, I want in.  I've never been talked to or treated as these horrible people have treated me.

Comments

  • 0
    Tina
    I don't know if this is true for every state but in Florida a debt collector can call you for up to 6 months.  If no payments are made within that 6 months, they are no longer allowed to contact you by phone.  Each time you make a payment, it resets the 6 month rule.  I had a debt collector call me for a medical bill from over 10 years ago.  The dates they said I was in the hospital were bogus.  Send them a certified letter to "cease and desist" all communication.  Here is the letter I used...feel free to copy it and fill in the blanks!  It worked for me, never heard from them again.  Your case may be a little different because you know what the debt is for but the fact that they say you owe money that you know and have proof that you paid would justify sending them a letter asking them to stop contacting you.  You can also contact a Consumer Rights Group in your area, Google it, you'd be suprised.  Most will not charge you a penny unless they win.  If after sending them a "cease and desist" letter and they continue to call, you can sue them for up to $1500 per phone call.  Good Luck.

    Dear To Whom It May Concern:
    This letter is in response to several of your phone calls within the past year concerning the collection of the above reference account.

    I do not believe I owe what you say I owe therefore I dispute this debt.  I am well aware of my rights under the Fair Debt Collection Practices Act and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the statute of limitations for enforcing this type of debt through the courts in Florida has expired.  Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "status of limitations" has expired.

    This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

    Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and if necessary, take whatever legal action is necessary to protect myself.  Be advised that I have the right to tape record and track all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

    Sincerely,

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