My husband is nervous about talking to a CA that has started calling because I have been doing all of the credit repair research. He thinks he might say something that would be bad, or agree to something bad in our process of trying to get a settlement. I gave him talking points, but he still doesn't want to do it. In a way, I think it might work to our advantage -- He could play the poor put-upon, unknowing husband. "My wife says I can't agree to anything. My wife has said we HAVE to get it in writing. My wife has said we only have $X to pay for this." Not that its like that, but maybe it would help ... Or can I just call them for him? thanking in advance. peace, delilah
Delilah, I have always had good luck calling on behalf of hubby on just about anything but with the credit card companies, and the satellite service. I put him on the phone "yes talk to my wife, she handles everything". I generally start out with, its his stuff, but he is clueless when it comes to xyz, I always handle all that. All the CRA's let me handle his reports LOL. The bigger question is, do you really want to talk to a CA on the phone? You really want to get everything in writing. I'm sure they would be willing to talk to you, or anybody else, if they think they might get paid LOL! Although I believe its an FDCPA violation.
It is always recommended to have everything done in writing. A CA will lie to you on the phone, and make several promises it has no intention of keeping. That is why it is always recommended to get it in writing. That way when they dont follow through with what they said they will do. You have some type of recourse.. That being the written statement from the CA.. So if you follow this line of thinking whom does the actual work on this account at your home wont matter since it is all done in writing. If you prefer to call.. Unless your listed on the account. I would think they should not be allowed to talk to you. Not saying the wouldnt.. As being married or divorced impacts the contract your husband sign in no way. As a lot of people have found out here through going through divorce and getting a judge to say.. this bill is yours and then they dont pay.. your name is on the account.. and the negative info goes on your report as well.. Even with the order from the court for the husband to pay. The OC or CA wont give two hoots about..
I think it works this way in every household.. Us men, get too excited on the phone.. and get frustrated.. and hand the phone to the mrs.. lol Goodness we must have some redeeming qualities about us.. If you think of any email me.. hehehe I think jodi is right although they may not be or should not be talking to you.. I think a majority of them will.. especially if it is a woman on the other end of the phone.. Since it is pretty much a given us men.. well the majority are pretty useless in this aspect of life..lol
Re: Re: Can I call on behalf of hubby? Awww its Valentine's day...so if you guys do have redeeming qualities today will be the decision maker. My DH is awfully cute in his ineptness. You should see us fighting for the phone when a CA calls. He THINKS he's going to help me, and he's like Delilah's DH, he hasn't spent a moment on on this credit stuff.
Re: Re: Re: Can I call on behalf of hubby? Is your hubby like me, and will yell questions we want you to ask while you try and talk on the phone..LMAO.. Yes I will be getting something special this Valentines Day.. Even though it should probably be a new house for all she has to put up with from me.. She will have to settle for a painting of her favorite photo from our wedding.. and a nice dinner in the city
Re: Re: Re: Can I call on behalf of hubby? My hubby would feel like a pud saying "my wife says...", lol. The approach that jlynn has is good. Sometimes, I DO get frustrated when he talks to them...only because I know what all the conversations & correspondence relate to and he doesn't. It isn't his fault at all...it's like walking into the middle of a movie and trying to know what is going on.
OMG are you telling me its not him, its men in general!!!!!!! I hate that one, because I can't hear what is being said on the other end, and then he gets mad at me...especially if I know its a question that shouldn't be asked!
Re: Re: Re: Can I call on behalf of hubby? Thanks for the quick responses! Yes I know to get everything in writing. I don't know why I'm even bothering thinking about the phone call. You guys are right ... I'll just keep sending letters on behalf of hubby and keep working it that way. I know better ... I'm just anxious. This is one of the last things on the report. I just want it to be gone and sometimes the USPS seems SOOOOO SLLLLOOOOWWWW. thanks again. peace, delilah
ummm.. Nope its just him...lmao.. okay okay.. I admit I do it.. From everything from her ordering a pizza, to calling the phone company to argue a bill.. latest one was having her call to argue the latest homeowners insurance bill.. She got so mad at me, she handed me the phone and went outside.. Had to tell them she will call them right back.. The I proceeded to explain to her.. Its not my fault.. its the way god made me..lol
Re: Re: Re: Can I call on behalf of hubby? Geez, I wander if our dh's are all related or know each other...lol Dh NEVER CALLS!!!! About anything. But about talking to CA's on behalf of DH, you shouldn't have **any problems**. CA's have always talked to me without any permission from dh. It also does say somewhere in the FDCPA creditors talking to spouses are generally exempt from punishment.
hey, thanks. That's good to know I *CAN* do it, even though I have now talked myself out of doing it. Thanks for looking it up, cinderella! peace, delilah
