actually, i do not believve they are violating anything, unless they leave a message..more than one message. If you answer the phone, they will not call again because they cannot harrass you by calling you more than once, but if you do not pick up the phone, they assume you are not home, and keep calling until they get someone! Leaving more than one messAGE would be a violation and prove that they are calling you all day long. when they leave no message, and get no answer, they are not doing anything wrong .
So, it is Chase Card Services.. and they only call you if you are late paying your bill. Pick it up, tell them you will pay it and you will be good to go~!
for sure everyone. Chase card services uses this number to contact anyone who is 30 days late or more. They are such a large financial institution they are their own collection agency as well. If you blow them off they will freeze your bank account [if you were with Washington Mutual, which they now own] and you had any accounts with them, they will garnish your wages and sue you and take your home! Watch out for them!
It is ridiculous that we [the tax payer] have bailed them out with our tax dollars, they raised their rates to 30% and higher, and their money costs them .75% from the Federal Reserve [prime lending rate for banks].
Obama needs to go after these banks they are gouging the American people - talk about "windfall profits" - they are making outrageous profits on our lives!
No one can freeze your bank account if you don't give them the information. If you have, CLOSE that account. Duh. They cannot take your home. There are LAWS to protect consumers. yes, they can sue you. yes, if the JUDGE warrants it, they can garnish wages IF there are enough wages to be garnished. yes, they can may win a settlement. It means nothing. This is NOT a Chase number. This is a robo-call. This company CAN and SHOULD be reported to the FTC for harassment since repeated calls after you've told them to stop are ILLEGAL.
First of all - no creditor can freeze your bank accounts, garnish your wages, or take your home without first filing a lawsuit against you.
IF you show up for court and explain why
1) its not your debt
OR
2) you are unable pay at this time due to job loss or illness, but have every intention of paying it when you can. (temporary set back)
OR
3) if illness/injury that resulted in now being on disability or Social Security - they cannot touch your money at all. Disability and Social Security are exempt from garnishment for consumer debt.
If you live in TX, your wages cannot be garnished for consumer debt at all
If you own a home - and have filed for homestead exemption - YOUR HOME IS PROTECTED from liens on consumer debt that is not mortgage related.
If YOU don't bother to show up at all - THEN ITS YOUR FAULT! Failure to show up is an automatic default judgement!
Default judgments can always be opened up by doing an order to show cause to vacate the default,vacate the judgment & lift the garnishment/freeze on bank account. Once that is done, then enter into a payment plan that you can live with. Make sure interest stops. Usual settlement is 70% of the debt. Once you default on the payment plan, it's back to the original amount + interest, so don't ever be late on your payments.
No you do not have to be 30 days late. If you are on there payment plan they will call you from this number. I forgot to submit my payment due for 6/10/10 on 6/14/10 they call from this number and asked for their payment. I was like look I pay you guys every month and have only missed 1 payment in 6 years and that was because of the interest hike. The payment is 4 days late leave me alone. Just to be just as annoying as they are. I wouldn't give the agent the payment. I hung up and went online to do it. They are viscous please don't get on their bad side. They have no tact or respect for the customers.