You have rights
Robo-callers and debt collectors may be violating the law
We stop the calls
We make sure this number never harasses you again
You get money
Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls
You don't pay a dime
The other side pays our fees and costs.
Harassment Cases Settled
I'm not sure if this falls under the FDCPA but I was contacted today by Crawley & Bergman for a Syncrony Bank debt. The caller said he picked my account because it looked like I had tried to make payments but then stopped so I must have just fell on hard times and that he went to his bosses and told them this so they wouldn't sue me. I explained that our hours had been cut back and that yes we were trying to keep everything current but we had to focus on not losing our house first and we are trying to pay what we owe. He explained that he could go to management and make a great deal for me so I wouldn't get sued for the total balance and it would only be 1000 paid in full today I said we wouldn't be able to because we only had $700 in our bank account. He said he would go to his boss and see if they could split the payment. I asked him to send it to me in writing via e-mail. He did and I discussed with my husband and we realized we couldn't afford to spend all $700 and have nothing until I get paid next Saturday. I called back and tried to explain this and I said maybe $400 today and $400 on the 28th so he said no they probably won't approve that but maybe I can try. They won't do two payments. He put me on hold and came back and explained how they said no but he tslked them into 3 payments of $400, $400 and $200. I explained I still was unsure if we could do it and I wanted to talk with my husband so that we could agree to something that we can really afford to do and he started saying that I was playing games and that he couldn't take any more requests to management because they would know I wasn't serious about paying so they would take the next steps and he would suggest they sue me. I tried to explain that I'm just trying to negotiate a payment plan that would work and he said well now we are talking about monthly payments for the full amount and you don't qualify for the deal. It was just very aggressive, and I asked him to please just send me the 3 payment option in writing and left it at that. It just felt very aggressive and high pressure with the intent that I pay this today or get sued tomorrow. I'm not sure if this is allowed but I've never had an experience like this before.
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