Everyday Law

April 23, 2009

My mortgage and auto lender are calling me monthly and I’m not overdue!

Filed under: Banking,Debt,Debt Collection,Debt Collection Harassment,Housing — Amy Kleinpeter @ 9:41 pm

If your bank has targetted you as a high risk loan — it may be because you have had some late payments, because of your debt:income ratio, or because of some totally random characteristic having NOTHING to do with your character or payment history, you may be getting monthly reminder calls.  “Remember to pay your mortgage!”

These calls may be from an autodialer or even real people (!) and if there are multiple calls, especially multiple in a day, they can really become annoying.  However, in most circumstances, these calls fall into the “crappy customer service” category and not debt collection harassment.   I am not sure what can be done to stop the calls (change your number?) but you could try sending a letter requesting you only be contacted by mail.



  1. Dear Ms. Kleinpeter,

    My name is Rafe Bartholomew. I am a researcher at Harper’s Magazine in New York. I work on a section of the magazine called Readings, where we reprint a selection of revealing and noteworthy original documents each month. I was reading about the company Credit Solutions of America on the TPM Web site, and the part of the article regarding a list of 60 methods of gathering funds that CSA sent to clients caught my eye. It’s the kind of document that would make a perfect reading, because it will show how outrageously fraudulent some of these debt settlement companies can be. Would you be willing to share this list with Harper’s? We’d really appreciate it, and I think the document stands a very good chance of being included in the magazine.

    Thank you very much for your time and assistance. I hope to hear from you soon.


    Rafe Bartholomew

    PS — I used the contact form on your Web site to send the same message. My phone number is listed there as well. Thank you.

    Comment by Rafe Bartholomew — May 27, 2009 @ 8:54 am | Reply

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    Comment by auto dealer websites — December 10, 2012 @ 11:02 am | Reply

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