If a debt was written off by the original debt holder in 2007, and then another company,(CACH LLC) bought it and filed a civil judgement in 2009 on the same account, how can Phillips and Cohen continue to call me about the very same account? How many times can different people and collectors buy and sell an account and call?

This company is calling my job back to back and I press the button to disconnect it keeps going, I would like to have this number deleted from my job.

Don't know the caller.

Phillips & Cohen Associates, LTD. -- Debt Collectors

If you aren't the person being called, and your name isn't being removed from their solicitation/phone call list:  A good  place to file a complaint is with the Federal Communications Commission.  The rules they govern are stricter.  I believe it is complaint # 1088

FCC doesn't mess with complaints; and my complaints in the past have usually been investigated!!!  

FTC and donotcall, place complaints on a list, and will investigate, file charges if they see a pattern.  So everyone needs to file complaints, so that there will be a definite pattern!.

Anyone have problems with Collection Agencies calling?  There are laws to protect Consumers from these jerks.  #1, they technically do not have any authority.  They usually purchase charged off bills, from other creditors for pennies on the dollar.  #2, because the bill is with an original creditor, and not the Collection Agency, you are NOT obligated to these jerks.  They will try to convince you that you are.  #3 the only way you become obligated to these agencies, is 1) if a new contract/agreement is done in writing, and you sign - but you are NOT obligated to; and 2) is if you make payment arrangements with them; thereby creating a contract/agreement, where none exist, when they first contact you!!!

The "Law of Novation" states that when a new owner of an account or an alleged debt, a New Contract must be written and signed by All parties, for a Contract/Agreement to be in place, with a different Creditor.  Collection Agencies are known for violating Federal Consumer Protection Laws; and they are allowed to, because those uneducated in those laws, keep allowing them to.

If the American people, became educated in these Consumer Protection Laws, Collection Agencies would have to close their doors, due not not receiving any money, when customers are sent bills, or collection demand letters.  

However, you technically do need to respond to them, if they are sent Certified mail, otherwise, they don't know, if you actually received them or not.  A Cease or Desist or Cease Communication letter, similar to:

To: Name
address
city, state

date

RE:  
Original Creditor Account: 689259820
Amount in Dispute: $  

Dear  (Collection Agency).:

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice, shall result in a complaint filed and submitted, to the Federal Trade Commission, and possible legal remedies, in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute, the alleged debt asserted herein, but at this time I am under no obligation, to respond as a result of  ________?s default.

Sincerely,


Name
Address
City, state

Regular Mail
Certified Mail#:  XXXX  XXXX XXXX XXXX XXXX


If you answer the phone,  simply say:"I do not discuss financial matters by phone - send me a statement in writing and I will respond to it."  Then Hang up!!!  Otherwise, they will have you completely shaken!!!  The longer they keep you on the line, the more chance they have, to get money from you including payment arrangements ? or payment agreement/contract!!!  You are NOT legally obligated to talk to them!!!

Collection agencies are ruthless jerks!!!  They will tell you they are the original creditor when they are not - even though it is illegal, for them to do it, per Federal Consumer Protection Laws.  You can legally sue them for $1,000.00 per violation.

When you do get a statement - google "FAIR DEBT COLLECTION PRACTICES ACT" One or more online Attorney websites will be shown.  These websites will have valuable information, including a Cease & Desist sample letter; or a Cease Communication letter.  Once received, it is a violation of the Federal Fair Debt Collection Practices Act, to contact you further.

You can also educate yourself by reading Consumer Protection Laws at www.ftc.gov;  a lot of valuable information.  Don?t have time,  download and read later.  You will be glad you did!!!

I am not an Attorney - just an Educated Consumer, in Consumer Protection Laws.  I have spent hours studying these laws and becoming familiar with them.  They have helped us and friends/family as well; and hopefully it will help someone, who reads this.

And for those self-righteous criticizers, who say, just pay your bills on time; things happen to people with Credit Card debt, medical bills etc., often beyond their control such as job loss, divorce, death, illness etc. and you find your self in a bind.  We've been there, we know.  You do not plan to pay late, or not make payments; but if the income quits - there's not a whole lot one can do!  You then are forced to prioritize, Mortgage, Utilities, Car payment then food, if you can!  Other things have to be let go!  

And if you are having problems with Debt Collector and/or Credit Card Lawsuits, I can probably help you.  tlcpetmommy@gmail.com I hope this information will be helpful to somebody who reads it!!!