@Vann
You could consult an attorney about the voicemail, just to see if it crosses any legal lines.
@Vann
Honestly, they don’t care. Their job is to get money. If you feel better reporting it, go for it, but don’t expect much.
If the card declined, doesn’t that mean you still owed them?
You were in the wrong. Just pay your debts and move on.
These posts always start with someone trying to spin their mistake into a lawsuit.
It’s the US; you can sue for anything as long as you can afford it.
Debt collection isn’t about good service. Just pay and avoid getting into that position again.
Who called you, the creditor or a collection agency?
Debt collectors don’t need to be polite. Learn from this and avoid debt in the future.
Lin said:
Debt collectors don’t need to be polite. Learn from this and avoid debt in the future.
They also can’t harass you. The law protects against that under FDCPA.
You’d rather sue than just pay off what you owe?
Marin said:
You’d rather sue than just pay off what you owe?
I did pay it off the same day. Not sure why it declined the first time, but it’s done now.
Marin said:
You’d rather sue than just pay off what you owe?
I did pay it off the same day. Not sure why it declined the first time, but it’s done now.
Next time, tell them to mail you any info and stop calling. If they don’t, you can file a complaint under FDCPA.
Debt collectors don’t mess around. You might have just hit a nerve by not paying on time.
Pretty sure they didn’t threaten you. Would you prefer they didn’t call at all, and you missed your payment?
Telling you they’ll sue isn’t a threat if it’s legal. Grow up.
You can sue for anything if you want, but good luck winning.