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Topic: debt collector
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wildflower22

4/21/2014 1:55:41 PM
Member since:
Sep 2013
Total posts:18
debt collector

ok so I had a phone on contract and loss my job so I could not pay. so it went to collections. the they started calling a family member and said they will call there until they talk to me. even thou I don't live there. so the family member told me and I called to explain my situation, about no job yet. he was really rude demanding money right away and asked how I am paying my other bills and then asked if I was on social assistance or anything. I did not answer cause it didn't seem right that he will ask me that. I plan to pay my bill when I get a job and get back on m feet. but I am curious is it right he can call family or ask how I am paying my other bills and if I was on social??

 
 
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That 70's guy

4/21/2014 2:23:20 PM
Member since:
Dec 2012
Total posts:647
They shouldn't

be able to call your family but they do, obviously. If someone called me about a family members bills I would tell them where to go very quickly. There's an old saying that goes "I am not my brother's keeper"

sharon kucher

4/21/2014 2:26:46 PM
Member since:
Aug 2009
Total posts:1504
they

they called the family member because that was likely your addition contact name and number.  
 
They have the right to try to get their money. If you have an income they then figure you should be paying them.  
 
If you told them you even had a part time job then then can try to garnish your earnings, as far as I know.  
 
I think sometimes they bother the contact person in hopes that they will pony up your bill, to stop being bothered.

cmore

4/21/2014 4:38:00 PM
Member since:
Apr 2008
Total posts:625
bill collector

They will continue to call and harass anyone that will talk to them. By law they are only allowed to call once per day. The amount owing will increase the longer it takes you to pay the bill. If you are able to even make small payments ie $20/month that may help and be sure if you make any arrangements to keep up with them or they will continue to call and harass. They will call any number they have on hand to reach you.

slurpeegirl

4/21/2014 4:46:52 PM
Member since:
Feb 2010
Total posts:1176
privacy act??

look into the privacy act, to see if they are allowed to contact people (who didn't sign the same contract) and discuss your finances. i'm sure they can ask to speak to you but can not elaborate on anything with other people. it sounds like whoever called has shared a bit too much with the person they spoke to.

Oryx

4/21/2014 4:48:30 PM
Member since:
Jul 2005
Total posts:5373
They

  
miss.cool said "ok so I had a phone on contract and loss my job so I could not pay. so it went to collections. the they started calling a family member and said they will call there until they talk to me. even thou I don't live there. so the family member told me and I called to explain my situation, about no job yet. he was really rude demanding money right away and asked how I am paying my other bills and then asked if I was on social assistance or anything. I did not answer cause it didn't seem right that he will ask me that. I plan to pay my bill when I get a job and get back on m feet. but I am curious is it right he can call family or ask how I am paying my other bills and if I was on social?? "

can call you no earlier than 7am or later than 9pm. They are also allowed to show up at your house except on Saturdays or Sundays. They can call you more than once a day.  
 
They also can ask you many things, but doesn't mean you have to answer their questions. You can be summoned to court if you don't pay your bill, so I would hope you can set up a payment plan.  
 
Ultimately this will affect your credit rating and you may not be approved to get a cell phone contract in the future.  
 
How much is your bill?

on-second-thought

4/21/2014 6:13:29 PM
Member since:
Jun 2011
Total posts:1624
....

They have rules to follow, and often bend them, sometimes break them. Here's a quick link to consumers bureau that explains your rights, their limits etc. Call them if you have questions.  
 
http://www.gov.mb.ca/cca/cpo/pdf/Collection_Practices.pdf  
 
You, however, have to pay your bill. It is irresponsible to sign a contract for a phone that you could not afford. You should always have a back up plan for situations such as job loss or illness.  
 
There are lots of jobs out there so there should be no problem sorting this out.  
 
 
 

loeog

4/21/2014 6:21:18 PM
Member since:
Mar 2009
Total posts:792
Regarding Family

  
miss.cool said "ok so I had a phone on contract and loss my job so I could not pay. so it went to collections. the they started calling a family member and said they will call there until they talk to me. even thou I don't live there. so the family member told me and I called to explain my situation, about no job yet. he was really rude demanding money right away and asked how I am paying my other bills and then asked if I was on social assistance or anything. I did not answer cause it didn't seem right that he will ask me that. I plan to pay my bill when I get a job and get back on m feet. but I am curious is it right he can call family or ask how I am paying my other bills and if I was on social?? "

It is wrong if they  
(n) make telephone calls or personal calls of such a nature or with such frequency as to constitute harassment of any person in an effort to determine the present whereabouts of a debtor, his spouse or common-law partner or his family.  
 
Good luck proving the agent threaten/harassed your family, but I think threatening to call until they get the info they want is close to the edge.  
Mind you one call a day may not be seen as harassment.  
 
As for calling you more then once a day, it is wrong if they  
 
make telephone calls or personal calls of such nature or with such frequency as to constitute harassment of the debtor, his spouse or common-law partner or his family.  
 
 
 
 

sammy

4/21/2014 6:27:32 PM
Member since:
Sep 2010
Total posts:8062
.

I understand that there are things they can and can't do and some people may think what they are doing is wrong. However, not paying a bill is wrong too.  
 
I understand you have lost your job but in reality, they don't care. Everyone goes through hardships but when you owe someone money, they don't want to hear your sob story they just want their money.  
 
Accept responsibility for your actions, phone them and ask if you can set up a payment plan. This should hopefully make them happy and they will also hopefully stop calling your family member.

pm5k

4/21/2014 7:07:32 PM
Member since:
Aug 2008
Total posts:432
I disagree

  
sammy said "I understand that there are things they can and can't do and some people may think what they are doing is wrong. However, not paying a bill is wrong too.  
 
I understand you have lost your job but in reality, they don't care. Everyone goes through hardships but when you owe someone money, they don't want to hear your sob story they just want their money.  
 
Accept responsibility for your actions, phone them and ask if you can set up a payment plan. This should hopefully make them happy and they will also hopefully stop calling your family member. "

I had a phone and without going into a long story it ended up sitting in a drawer while I paid the minimum monthly bill with automatic debits from my account....after about 4 months I was going through my mail and figured I'd open up one of these Rogers bills to look at the break down...they had my data usage at 2 gigabytes for the previous month...all itemized and broken down "2 megabytes on April 7th at 2:31" etc,etc....on a phone that was so dead, turned off and in a drawer for the last 4 months. I was incensed by this and called customer service and they didn't deny it, only saying you were under your 5 gigs so you weren't charged....but if I had been someone like maybe this young lady in the post...and I'd used an actual 4 gigs like I usually do, this 2 gigs of phantom data would have had me paying a ton in overage fees, and who could dispute or sort through it?  
You are wrong to say "your a deadbeat pay your bills...trust me most of them are over charging and screwing you every month and when you attempt to terminate your services please feel free to post your experience with your cable/phone provider and all the superfluous and punitive charges they tack on to your final bill just to see if y  
They can catch you...(often removing the charges immediately if you call them on it)  
Don't be naive.

sammy

4/21/2014 8:09:38 PM
Member since:
Sep 2010
Total posts:8062
pm5k

I'm not sure how I am being naive? My advice is for any bill owing, not just a phone bill.  
 
However, IMO, a bill that you stopped paying for because you have no money is a lot different than a bill you have terminated because you no longer need or use the service. Either way though, you need to make arrangements to pay the bill off. You can't just not pay your bills.  
 
Obviously you should be checking all your monthly bills to make sure they are correct and you have been charged accordingly but that is not the case in this particular situation.

Opinionated

4/21/2014 8:28:59 PM
Member since:
May 2009
Total posts:2854
family number listed

They don't just call family members that you provided a number for. I've had so many bill collectors call me for people with the same last name. I've been told I'm a liar, I've explained I don't know the person only to have them continue calling. Some places will just call every person in the phone book with the same last name until they find someone who knows you. I'm sure it's not legal, but it definitely happens.  
 

1984FadedStar

4/21/2014 8:50:46 PM
Member since:
May 2012
Total posts:724
hmm

I've been in a smile at situation before. But in my case the debt collector was calling me daily, sending me letters daily even though I was making my payments and on time. If it gets to a point like this, ask to speak to a manager. In my case, the guy got fired and the company settled my bill.

patriot

4/21/2014 8:56:43 PM
Member since:
Mar 2011
Total posts:288
...

All your family members need to do is say "do not ever call here again". No matter how the family number was obtained. Has anyone recently received a new phone number and received a call asking if you were XXX or YYY? Stating "no"they play detective, If you just say " do not ever call here again" and they do, they are in "caa caa"  
Unfortunately I suspect you will possibly have 7 years of bad credit, so say good by to visa's, car loans and mortgages. Might need some help to get utilities hooked up if a landlord will rent to you...  
You would be doing yourself a huge favor to fix this fast! IMHO  
 
Edited by patriot, 2014-04-21 21:01:03

.:openminded:.

4/22/2014 1:11:05 AM
Member since:
Apr 2012
Total posts:174
Doesn't take a genius..

  
slurpeegirl said "look into the privacy act, to see if they are allowed to contact people (who didn't sign the same contract) and discuss your finances. i'm sure they can ask to speak to you but can not elaborate on anything with other people. it sounds like whoever called has shared a bit too much with the person they spoke to. "

"Hello, I'm so and so calling from so and so collections agency may I speak to so and so?"  
 
I think stating where they are calling from is enough information.  
 
Plus they wouldn't call unless that number was attached to the phone in some way. I

Chrismann85

4/22/2014 7:28:06 AM
Member since:
Jan 2014
Total posts:205
my bill

Is always paid on time with extra on it (incase my job or health goes down the drain) and yet they call me to remind me "I owe" this much this month....I know I get it in my email and on paper as well as I can check "my account" I've told them to stop "reminding" me but they don't.

theeagle

4/22/2014 2:57:16 PM
Member since:
Jul 2011
Total posts:204
Don't ignore

Worst thing you can do is ignore it. Call them, and arrange to make payments. They have to accept anything. As long as you are doing something, and have talked to them about it, they can not take it to another level. I have found most are reasonable if you are willing to work with them. If you can even give them something like $5 a month till you are back working, it shows intent to pay, and makes them much happier than if you ignore them. Ignore them, and you may find your wages garnished when you get back to work.

jess13

4/22/2014 9:10:39 PM
Member since:
Sep 2010
Total posts:47
FYI

They can't take you to court if you are in receipt of social assistance, that's why they are asking.

Jeeper

4/23/2014 4:47:17 PM
Member since:
Feb 2014
Total posts:350
ticket.

I too have a ticket, lost my job, and wasn't able to pay. They called me all hours day and night (5am-midnight), and I've had upwards of 9 calls a day from them! I know it's my fault for not paying it but come on!


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