![]() If they can't prove the debt, then don't pay. You may have to write a letter to get them to stop. Then, I'd tell them they need to stop contacting me, I am recording this call, and will be recording all future calls. I'd probably say something rude (I don't necessarily recommend this) and tell them that if it is that big of an issue, they should send a certified letter to whomever it is they are looking for. ![]() (Not worth suing, but it's probably a 50/50 case) There isnt a set number of calls or anything (afaik), but that is definitely bordering on excessive/harassment, especially if they haven't even contacted you in writing at all. That's possibly illegal in the first place. "They call 2 or 3 times per day with different NH numbers" Personally, I would not confirm my identity for some alleged debt of which I have no knowledge or memory. Otherwise, you could tell them to send you something in writing if it's so important and see what the letter says. I would let them know that under the Fair Debt Collection Practices Act (FDCPA ), they have to stop contacting me if I request it (really you need to send them a letter, but perhaps they don't know that - if they say you need to put it in writing, ask for their address and tell them you'll be recording the calls moving forward to serve as proof that they're violating the law). If there's nothing there, I would tell them to stop calling me. This is not a place to advertise your product.Īlways do your own research before acting on any information or advice that you read on Reddit.įirst, I would check my credit reports from the 3 major bureaus (you can do this once every 12 months for free by going to the FTC website and following the link: ). If you would like to participate in the community, please follow the rules. ![]() To debt relief companies, credit relief companies, and other businesses: /r/Debt is a place for discussion and community. Matters requiring monetary or other direct assistance should be directed to /r/Assistance or another need-based subreddit. While the mission of /r/Debt and /r/personalfinance are closely related, general finance questions unrelated to debt should be directed to /r/personalfinance. Please be vigilant and report spam to moderators by using the report button. Your comment or submission will be removed without notice and you may be banned. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īffiliate links, blog spamming, or spamming in general will not be tolerated. Don't feel like you're alone when it comes to being in debt, find people that are in a similar situation as well as seeking helpful advice regarding your debt issues. Related documentsĬFPB Orders Phoenix Financial Services to Pay $1.This subreddit is a place to discuss debt-related issues, debt management, collections, and more. The order also requires Phoenix to abide by certain conduct provisions to prevent it from engaging in the violations found by the Bureau and to pay a $1.675 million civil money penalty. The order requires Phoenix to provide redress to affected consumers by refunding all amounts paid to Phoenix on an unverified debt between Januand the date of the order by consumers who received an unlawful debt collection letter from Phoenix after disputing the validity of the alleged debt. The Bureau also found that Phoenix violated the Fair Debt Collection Practices Act by sending debt collection letters to consumers before providing the consumer a verification of the debt when Phoenix had received a written dispute from the consumer within 30 days of the consumer’s receipt of a debt validation notice and by misrepresenting to consumers that they owed alleged debts in certain circumstances when Phoenix lacked a reasonable basis to make those representations. The Bureau found that Phoenix violated the Fair Credit Reporting Act and its implementing Regulation V by failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information it furnishes to CRAs failing to conduct reasonable investigations of consumer disputes about information Phoenix furnished to CRAs and failing to report the results of direct dispute investigations to consumers. On June 8, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against Phoenix Financial Services, LLC (Phoenix), an Indiana-based debt collector that collects primarily past-due medical debts and furnishes information about consumers to consumer reporting agencies (CRAs).
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