Can a collection company continue to call me if I’m current with my credit card company

Get Legal Help Today

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Can a collection company continue to call me if I’m current with my credit card company

I spoke to the credir card company and they said they can’t stop the collection company from calling me even though they hired them. I did fall behind at one time almost went to charge off but I paid $900 to keep it from doing so. And since then I receive my regular statements. The card issuer says that I’m current. My balance is going down. But the collection company still calls me and tells me I owe them money plus late charges, etc. What do I do to get them to stop?

Asked on April 27, 2011 under Bankruptcy Law, California

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

While you way that you are "current" on your card, you also say that there is a balance. If that balance was past due, then the credit card issuer and/or their collections agent can try to collect from you. That is, it's not enough to stay abreast of new or current charges, but you also have to pay off the previous ones. If it is the case that you do owe a past balance, you may have to pay it off to stop the collections activity. Note that sometimes, a company sells a debt to a collections agent; collections will pay a fraction or portion of the debt, then try to make money by collection most  or all of it. If that's what happened here, then the issuer does not have any control over that old debt any more; it belongs to someone else.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption