I owe $1720 on a loan I took out from klickcredit.com in June. Recently, a Mr Fabian who says is an attorney for klickcredit has been calling me, the clubhouse in the neighborhood I live in and my place of work. He threatened to fax over papers to my boss (the owner of the company I work for) and he also told me that if I did not set up payment by direct withdrawal, credit card or prepaid card within the next few days that a man would be coming to my office to serve my boss some papers. So I got a prepaid card and gave him the # for it but told him I could not make any payments until the end of the month. When I told him I would rather send a money order later this month he said it wouldn't be quick enough to stop the serving of papers. I know I owe the debt but this sounds fishy. What should I do?
First of all please take the time to really read the fair credit act! Creditors cannot threaten you in any way. This is either a really aggressive and extremely bad creditor or a total scam. You have the right to not be harassed at work and they cannot threaten to go to your boss. You have the right to not have them contact you except through the mail. Get his name and address and send him a letter stating not to contact you or anyone you know in any way shape or form. The creditor may write you and even take you to court but in the meantime let him know you are not going to be threatened. Again look up the fair credit act and read it thoroughly.
This should help you out a little it is directly from the FTC website
"The FTC enforces the Fair Debt Collection Practices Act (“FDCPA”), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumer’s legal rights, disclosing a consumer’s personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices."
Mr Fabian could be sued and the FTC has done so on many occasions. Take the time to write to him and tell him to stop. Keep track of every call, time of day and what threats were made. If he should contact a third party in any way, have them document also.
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