Can a debt settlement company harrass you?

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I recently contacted the credit exchange company in regards to an old car repossesion that my husband has to get more info on debt settlement etc.. well they tried to make me sign and seal the deal at all costs but I let them know I wasnt going to make such a big desision without my husband agreeing. Well They have been calling me more than the actual collection people!!!!!!! I let the guy know my husband said NO but he keeps calling me and harasssing saying that they need to talk to HIM to stop calling us. Is this true?

  1. Reply
    July 17, 2011 at 6:12 pm

    Was this issue before you were married? If so, it doesn’t have anything to do with you and they do need to stop. Your husband needs to contact them and tell them to lay off, he is handling matters another way. If they contact you again, demand to speak to a supervisor and that you will be reporting them for harrassment. If this issue happend while you were married, then unfortunately, his debt is your debt. Your husband does need to contact someone to correct this matter, it will not go away on it’s own. If he already has, have the company who is now handling this contact the other company to get them off your back.

  2. Reply
    July 17, 2011 at 6:52 pm

    Whose name is on the paperwork? Yours or his? If they are calling for him… that may be true.

    I would let my husband handle it as he is supposed to be head of the house and protect you. Get him to deal with the people and stand up and be a man. No disrespect intended, but my ex made me handle filing for bankruptcy when it was his idea. When I was in the lawyer’s office, he was out buying golf clubs on credit. Men don’t do these things and leave it on their wife to handle.

    Your husband may want to get a lawyer to help with this. The laws can vary from state-to-state. Also, you said it is an old car repossesion…. how old? Some states have statute-of-limitations laws on credit and other things.

    I got people from a collections agency to stop calling me for a 5 yr old debt when I looked up the state law here and told them they were SOL Status. Statute of Limitations! What did you think I meant? hehehe The fact is that I had paid them but didn’t keep records that far back so I couldn’t prove it. When I found out that there is a three year SOL on it… I answered the phone and refused to deal with them, told them it was past the SOL and hung up.

    Best wishes,

  3. Reply
    July 17, 2011 at 7:18 pm

    Collection agencies do the impossible to collect bills, but to a certain point, they can’t call you at work because that is harassment and you can sue them, at home they can but if you prefer don’t answer the phone, providing you have a callers ID, other than that is not much more they can do, remember don’t answer..☺

  4. Reply
    July 17, 2011 at 8:09 pm

    Document each and every call. Then tell him you will talk to the state commerce department and the IRS about their behavior.

    Two things: Debt pro-ration companies are regulated at the state level, usually by the commerce department. You can file complaints with them.

    Second, these companies are supposed to be non-profit. The IRS has reviewed dozens of them, and found that almost all were behaving like for-profit companies. Hard-sell tactics sound to me like that company is out for money, regardless of benefit to their clients. The IRS could investigate and revoke their non-profit status, and shut down their operation.

    But nothing can be done unless you can document well what has been happening to you.

  5. Reply
    Theresa J
    July 17, 2011 at 9:06 pm

    There are different laws on these kinds of calls according to what state your in, but there are certain rules these companies are supposed to follow. I would recommend you call the Attorney Generals office for your state, explain the calls, it’s possible you could make a complaint, but you need to know the law.

  6. Reply
    July 17, 2011 at 9:47 pm

    They can and do whatever they want, right or wrong. They are scandalous.

  7. Reply
    Debt Advice
    July 17, 2011 at 9:56 pm

    The Credit Exchange is notorious for this type of behavior. They love to get you to sign on the line without proper cause for recourse. big deal you are in debt right i mean what difference does today or next week have. I also imagine that they told you something to the effect that he filled out the form online and that they can only stop calling after they speak with him to confirm that he is not interested.

    File a compliant with the BBB and the attorney general’s office of the state of california and the state that you live in as well. as mentioned above they probably are violating some commerce laws by calling you.

    They do have a pending FTC complaint that is currently under investigation and multiple BBB complaints over 70+ actually.

    really how desperate does a company have to be to try to beg you to get out of debt.

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