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I'd like to know if it is legal to use this violation as a 'bargaining chip' with my creditor. I'd like to settle the debt for a smaller amount than I owe (I owe 50, I'd like to get the debt forgiven since the fine against the creditor is 00 as per the fair debt collection act). This bargain would be instead of filing a complaint with the FTC and contacting my state's attorney general's office.

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3 Responses to “Debt Collection Call After 9pm, What Are My Options?”

  1. Jan Luv
    May 26, 2010 at 9:29 pm #

    won't work but you can try anyway

  2. Kasey C
    May 27, 2010 at 12:21 am #

    Only once? They'll probably claim it's a mistake.

    Let them do it a couple more times, establish a pattern, THEN you would really have a bargaining chip.

    Remember, get the phone log in hand before making the threat.

    ---
    Kasey C, PC guru since Apple II days
    Make it idiot proof and someone will make a better idiot.

  3. DebtGuru
    May 27, 2010 at 12:52 pm #

    At this point, one occurrence of a collection call after 9:00 is probably not going to help you much. Many collection agencies use unlawful tactics, and unless you have enough money to hire an attorney and then completely document the unlawful activity and can show an ongoing disregard for the laws, you are probably just spinning your wheels. Unfortunate, but true.

    I would recommend filing the complaints regardless of an attempt to bargain.

    If the account has been in collections for several months without being paid, the company will most likely settle with you (without you using their lawlessness as a bargaining chip). The main problem in arranging for a settlement is that you must have the cash up front in order to settle. Collectors will not settle an account for a monthly payment. If you have the cash, call them and offer 20 cents on the dollar (that's a good starting place). In the event that they will settle, you will probably be in the 50 to 70 cents on the dollar range.

    Now a warning about debt settlement... It stays on your credit record for 7 years and is viewed as bad as a bankruptcy by most lending organizations.

    Good Luck!

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