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Can a debt collector keep contacting you after a payment has been made and the next payment is less than 30 days past due in the state of Tennessee?
Wiki User
∙ 8y ago
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It is an 'ask' site directly on Experian's website which is hosted by Maxine Sweet, the V.P. of Public Affairs for Experian.
You can get to the site from the following link:
http://www.experian.com/ask_max/index.html
Once a debt has been defaulted on, the entire balance is due in full. It is impossible for a payment arrangement on a collection account is be past due since the entire balance is past due. If a collection agency has agreed to payment arrangements, they have done so at their own discretion. Since the entire balance is due, their contacting you is not out of the norm, nor is it illegal, unless you have sent a cease & desist letter.
Wiki User
∙ 8y ago
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Do you really only have one day to pay if a credit card company demands payment within 24 hours?
Chances are if they've demanded payment, you've already been contacted by them and blew it off. Yes, they can take a judgment out. If you have sat down with the company and agreed to make payments.. they can take a judgment out on you, without you being present. They can garnish your wages, put a lien on your home and get the debt paid. Usually it's not 24 hours to pay it's 10 days.AnswerIF YOU HAVE GOTTEN TO THE POINT WHERE THE CREDIT CARD COMPANY IS DEMANDING PAYMENT WITHIN 24 HOURS THEN YES. YOU SIGNED A BINDING AGREEMENT TO MAKE PAYMENTS ON TIME. IF YOU DEFAULT ON THAT AGREEMENT THEY CAN DO AS THEY WISH. READ THE BACK OF TERMS AND CONDITIONS PAPERS YOU RECEIVED WHEN YOU FIRST OPENED THE ACCOUNT, IT CLEARLY STATES THEIR POSTION IF YOU FAIL TO KEEP CURRENT ON. AnswerAbsolutely NOT! This is a common tactic that collectors use to force the debtor in to making an agreement.A collection agency has not legal powers unless they are a collection law firm.A collector must retain an attorney licensed to practice in the debtor's state before a lawsuit can be filed. The debtor must be sued in his or her state court in their county of residence.Even in cases of arbitration, the collector must file for a judgment in the state court in the county where the debtor resides.The debtor is not legally bound to communicate with the creditor/collector. He or she may if they choose send the collector a letter of "cease and desist" or retain legal counsel. If the debtor retains an attorney the collector must communicate with the attorney and may not contact the debtor except to inform them that a suit has been filed.NEVER allow a collector to force you into making a quick decision on how to handle a debt.
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