800-900-1380 from skcorpio
Caller: Penn Credit Corporation
Caller Type: Collection Agency! I've been getting calls from these clowns. I get the same computer messages (that are hilarious when the "computer" says my full name). OK, Folks. There are laws against this and I am a consumer advocate. Now here this ~ whether you owe money or not, is totally irrelevant. Please look up the Fair Credit Reporting Act which will tell you that if you tell the collector to never call back again because of the FCRA, that they are in violation of the Law. Then threaten to contact their State Attorney General's Office in PA. By law, they are allowed to contact you one more time, offering a final settlement. Don't accept a settlement. Don't waste your time by arguing over money. Simply follow through with your threat. Warn them for the last time, then immediately contact the SAG in PA. Most SAGs can be contacted via e-mail. Attach a link for him/her to this site. Penn has probably already violated the law with their calling methods. They are trying to circumvent knowledgeable consumer warnings. This is the solution and you must follow through with the SAG. I have used this Law before and my state's SAG came down hard on the creditor, who expressed a threat (also against FCRA). Fortunately, I was the spouse of a deadbeat. I wasn't the deadbeat. Anyway, you can use this with any collector. Keep in mind that many of these calls may be scams. In this sucking economy, con artists are crawling out of the woodwork. Remember that with any collector you must contact the SAG in THEIR state.