Federal debt collection laws say nothing about allowing debt collectors to be as aggravating as they want. In fact, the law indicates just the opposite. Not only does the FDCPA specifically regulate the tactics and behavior of debt collectors, it also ensures that a consumer has no obligation to ever communicate with a debt collector. What's more, under the FDCPA, the consumer can direct the debt collector to cease all attempts to communicate with him or her.
In other words, debt collectors can be as aggravating as they want only if a consumer permits them to be.
Call came in for my wife. Pressed '9' to connect to an agent (obviously some sort of predictive dialer system that connects the agent with the call once they find somebody home). I complied and was placed on hold listening to some cheesy rendition of Für Elise (Bagatelle in A minor - Ludwig van Beethoven would roll over in his grave!); I held for about 4 minutes with occasional interruptions by a recording indicating to continue waiting. It finally hung up on me. Sure would like to know what company it is so I could return the favor.
Area Code - 847
Exchange - 257
City/State Des Plaines, Illinois
County - Cook County
Latitude 42.03
Longitude -87.89
Zip Code 60016
Communication Provider: LEVEL 3 COMMUNICATIONS, LLC
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