I've never had to deal with a debt collector before. About 7-8 years ago I had some debt (ex wife had a lot of credit cards), and the companies had charged the debt and was no longer collecting, so I just finished the "7 year waiting period" for my credit to be refreshed.
I get a call this morning from some debt collector at a company named CRA which apparently buys old debt from old debt collectors. This guy was very rude and threatening, it was really weird. He was giving me my personal information like my social, and he knew I had just filed a tax return, etc etc.
He was threatening to take 1,000$ off my tax return and when I told him he couldn't do that, he was like "oh yeah? well that's what's going to happen if you don't give me your credit card number right now" and issued a bunch of threats. Then when I told him I couldn't pay whatever they were asking, obviously, which is why it got charged off like 7 years ago, he said "you should have thought about that before you got in debt, you need to be a man and learn how to pay your bills"......It was really weird.
I know the FTC's Consumer Protection requires them to mail you a written notice of debt before they collect anything, so I called back and asked for that and some unschooled hourly employee was like "Yeeeh we already mailed you dat" and I told him they haven't, mail it again, he hung up on me.
So I don't know if this is a legit company (they have hundreds of complaints online and are apparently being looked into), I've heard they use scare tactics, so I don't know if this is something I should lose sleep over or if it's just some fear mongering debt company that legally can't do anything.
Anyone had to deal with anything like this?
I get a call this morning from some debt collector at a company named CRA which apparently buys old debt from old debt collectors. This guy was very rude and threatening, it was really weird. He was giving me my personal information like my social, and he knew I had just filed a tax return, etc etc.
He was threatening to take 1,000$ off my tax return and when I told him he couldn't do that, he was like "oh yeah? well that's what's going to happen if you don't give me your credit card number right now" and issued a bunch of threats. Then when I told him I couldn't pay whatever they were asking, obviously, which is why it got charged off like 7 years ago, he said "you should have thought about that before you got in debt, you need to be a man and learn how to pay your bills"......It was really weird.
I know the FTC's Consumer Protection requires them to mail you a written notice of debt before they collect anything, so I called back and asked for that and some unschooled hourly employee was like "Yeeeh we already mailed you dat" and I told him they haven't, mail it again, he hung up on me.
So I don't know if this is a legit company (they have hundreds of complaints online and are apparently being looked into), I've heard they use scare tactics, so I don't know if this is something I should lose sleep over or if it's just some fear mongering debt company that legally can't do anything.
Anyone had to deal with anything like this?
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