A few years ago I got into financial trouble because of illness. I let my Lowes bill fall behind and then could not afford to catch it up. It passed through several collection agencies and now the Statute Of Limitations is about to expire in 60 days. I talked to a rep from Allied Collections and she sounded so sleazy and would not make payment arrangements that I could afford on my meager Social Security check.interest had run a $400 bill up to $2000 and she wanted me to pay the lump sum. I said I couldn't afford more that $40 a month because I am on Social Security, but she said that she could not accept less that $100 a month and because time was of the essence before they take further action, that if I couldn't afford that, I should send them a post dated check for good faith and she would try to get lower payments for me.
At that point my husband told me to hang up because it sounded shady. I have been getting 3 and 4 calls from Allied Collection Agency of Columbus, Ohio a day. I sent a certified letter stating that according to the Fair Debt Collection Practices Act 15 USC 1692g SEC 809 (b). I do not wish any more phone calls and I sent it certified, I have the signed green card so I know they got it.
They have continued to call, I get a recording telling me to call a toll free number. Is that legal? I have recorded these calls since I told them in the letter that if they continued to call I would record them and then prosecute. I understand that if someone is informed that they will be recorded that it is legal in a court of law. I don't know if it applies to recorded calls. Since they call up to 6 times a day isn't that harrassment? Does anyone have any advice?
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