My wife and I have had some horrible experiences with the collection department of Farmers Furniture. We ran into financial difficulties in late March due to my wife's husband losing his job thus he was unable to pay all of his child support regularly for 3 month's. My wife also underwent major back surgery on April 22.
We ran behind on many bills and we are still in the process of catching up. Every creditor has been wonderful in helping us to set up payments to catch up.
Farmers Furniture on the other hand was a nightmare! The Farmers Furniture account is in my name only. Georiga law is not a community property state, therefore they were not allowed to discuss this account with my wife without my express consent. However that did not stop them from harrassing her and upsetting her while she was recovering from her back surgery. She told them multiple times that she was in no condition to have them speak with her.
They continued to call my wife. Our account with them in April was only 28 days late. I received a call telling me that if I did not pay before the account went 31 days late, my account would be sent to their legal department and I would be sued. I was blown away to say the least. I sold what I could and went to pay the payment.
They continued to harrass my wife and threaten her with my account being sent to the legal department where I would be sued. She was beside herself. She was having to deal with getting back to walking, and other things from her back surgery. Every day was a struggle for her. She still cries over the pain she has 4 months out of surgery.
The harrassment and threats she continued to received from the local Farmers furniture prompted her to call the main office to speak with the legal department. She told the woman who answered the issue we were having. She promised to have someone call my wife back. The regional manager (or we believe that is what he is) called my wife back. They spoke and she told him about all the incidents.
My wife has a paralegal background and knew that the local Farmers Furniture had broken many of The Fair Debt Collection Practices Act. She relayed all the laws that had been broken to the regional manager. He promised to contact the store and tell them they were not to ever speak with my wife again nor call her cellular phone.
We are very upset by this. My wife suffers from Bi-Polar and the events that took place with farmers furniture made her very depressed. She even had to have her anti-depressant changed over the incident with Farmers Furniture.
We are wondering if anyone else has been threatened by Farmers Furniture or has their information regarding their delinquint account (which ours has never been over 45 days late while trying to catch up) been told to other people, which is illegal under the law stated above.
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