Can creditors call even after you ask them to stop?

Asked by blaze21 over 2 years ago, 5 answers.

My son has the same name as me and lives in the same household but is never here. He has a certian collection agency after him and when we tell this man that he is not here and to stop calling, he just calls back. I have had words with this gentelman on...

more then one occasion and have told him to stop calling because he is starting to get demanding and rude. He has even harased my 20 year old daughter. My question is this , I own this house not my son, so does he have the right to be rude and call and call our number if I have nothing to do with anything my son owes or his credit? This just doesn't feel legal-

Answered by tim42651 on Nov 27, 2006, 06:49AM
| 9 answers.

The only way to stop him from calling is for your son to send the creditor a "Cease and Desist" letter. By Federal Law, once they receive that letter they may NOT continue to call him. He'd have to send it Certified, Return Receipt Requested though.

This Cease and Desist letter only applies to personal credit - Not business credit. So if the creditor is after him for payment on a business credit line, he's SOL.

Since the credit card companies basically wrote the last piece of legislation regarding personal bankruptcy, gone are the days where you could absolve debts owed to credit card companies by filing bankruptcy.

Depending on the amount owed, they may just leave him alone. Then again, if it's a good amount of cash, they could sue him in absentia and get a judgement against him.
It really all depends on how much he owes.

If you don't want to deal with it at all, and you're no longer connected to your son in any way, you can ask to speak to a supervisor the next time someone calls.

When we got our phone, it had apparently belonged to a deadbeat before. Subsequently, I was receiving all of the calls from this person's creditors. When I'd explain that the person no longer lived here, they didn't believe me because hey,...what's the first thing you do when you don't want to talk to someone on the phone? You say "No, they don't live here". Right?

Well, the phone calls stopped when I threatened to call the FTC and the New York State Attorney General's office.

| 1 of 1 thought this was helpful

Answered by arabfilly20 on Nov 17, 2006, 11:21PM
| 285 answers.
Advisor-small

I want to say YES he CAN call because you are the only number they have. Maybe you can offer them another number or address in which to get ahold of your son ?

Answered by sikashimmer on Nov 17, 2006, 11:44PM
| 3596 answers.
Advisor-small

A way to get them to stop harrassing you is to get them in contact with your son and get them paid. That's what their job is. But if he is being rude I would record him and ask to speak to his manager or a superior.

Answered by keeley on Nov 18, 2006, 03:34AM
| 92 answers.

yes they can call you, if you dont want to give your sons address to them then you will have to keep talking to them

Answered by worldtradecenter on Sep 22, 2008, 11:33AM
| 8 answers.

well call ftc and nycpd and fcc and sue them

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