If you are reading this, it is probably because you don't want to be called by these people again. You may be late in payment and that is why they call you. They act like they know you and say (for example) "John? John Smith? Hello?" on an answering machine or if you actually pick it up, they sometimes do not speak and they hang up or they will get rude with you. And this can, and most of the times will, happen SEVERAL times within just one day!

Well one thing some fear would be to get a machine that you can hook up to your phone to record the phone calls and simply tell them at the beginning of the phone call "I will be recording this conversation" because by law you MUST tell them you are recording it if you are. But, who's to say you aren't really recording it but tell them you are? *hint hint* Most of the time it freaks them out and they won't want to talk so they hang up!

If that doesn't budge them, simply state that under the FDCPA (Fair Debt Collection Practices Act) it is illegal to be calling several times a day and you will be reporting them if it continues to go on. And under Section 5:7 it states "A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:... Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number."


Just thought to help, I was able to get them to stop calling and keep us off of any "list" they have.

Goodluck to you all!

Orchard Bank has been one of my credit cards for too long... ive never been late on a payment and always paid far more than the minimum payment due... however they have doubled my interest rate and used the excuse that it was due to my credit report... my credit has done nothing but gotten better and they are trying to tell me that they are a credit card company for people trying to establish credit and regardless of my credit standing that i can pay off the card and get a lower interest rate for a fee but after the first 6 months they can do what they want... how is it that there is no guidelines for banks like them they prey on people trying to improve their credit they give you low apr while they charge you the initial annual fees then when those fees are no longer charged they double your apr... this is nothing more than stealing.