CAPITAL ONE AUTO FINANCE ripoff MAKES HARRASSING PHONE CALLS 4-5 TIMES PER WEEK, INTIMIDATES MY CHILDREN ON PHONE, HATEFUL! Plano Texas

See this just gives credit to what the person was trying to say all along..."That Capital One is RUDE" So thanks for supporting that statement.... And your a JERK!!! calling someone "Deadbeat"...JERK!

"Mike's response is a complete, total and beautiful illustration of all that is abusive in an American male."

Kate, please leave the feminist rhetoric to the NOW idiots or bow to the alter of NARAL. To make such an ignorant statement about 140 million men you have never met and don't know speaks poorly of you as a woman. The fact that a man has done you wrong gives you no clearance in labeling men this way. How is any man to respect your opinions - given your stated predilection toward man-bashing?

To the issue at hand, there is likely a little of truth to both sides of the coin here. While it is expected that consumers should make their payments on time (a reasonable assumption, by the way), there is a limit to what lengths companies should go to collect on a debt. One point Mike has 100% correct: It is not the job of businesses to cater to customers who fail to meet their obligations - regardless of the circumstances. A woman does not receive reprieve because she is a single mother or divorced. It's called RESPONSIBILITY - and it is not displaced simply because one falls on hard times.

That's great advice. I hope Kim can afford an attorney too. Sadly I have found that most people/businesses only reply properly when at attorney is calling on them.

And cease and desist letter, I think that's a great idea too. Maybe send it registered mail so she has some kind of proof she sent it?

Yes, once upon a time I had money problems and no full time attorney. So I hate to see this stuff. Especially when someone's already lost their husband and has to be upset anyway. Seems like the bill collector's can smell a wounded person somehow.

And Mike from Tampa, has somehow positioned himself as some type of authority over me? In that I have not (to his satisfaction)'list(ed) any relative evidence.

Yet he acknowledges one thing is that legslation is is passed for the people.

It's different in every state and without spending a great deal of time to research the differences in the UCC codes in Jason and Kim's states - there's no way to satifsfy him.

And although he feels he is the authority here, somehow, and I offering the advice that I know (which is not enough surely), in an attempt to help - that if I did not agree with him and his bill collector mentality, he'd make a personal attack on me. Which I am sad to say I responded to. And enjoyed :-)

You're no authority over me and my right to express my opinion here Mike. Your opinion means zip, bupkis, nada to me. I'd like to see Kim get some help.

And your replies were meant to engender yet a further sense of helplessness in her. And I think that's rotten.

Kim, Wow it looks like some of the responses got out of hand, with out alot of help to you.
The reason these jokers are calling you is that you Cosigned for the car. So yes they are in there right to contact you (hopefully professionaly), for payments, if the orignal debtor (your EX) Does not make his payments. Heres my 2 cents.

1. Contact your Attorney and have your name removed as Cosigner. Your Ex will have to refinace since Cap one has good contact info on you, they will not want to refinance (not in there best interest).


2. Change your phone number to an Unlisted Number.
3. Send a Cease and Assit Letter. (not really applicable due to you as a cosigner).
Good Luck,

Kate,

Yes as a Web Regulator and Web Master of a popular forum I am very familiar with the cute and paste method as the reason why I recognize it so well with your posts. Yes on a daily basis Legislators are always trying to pass legislation to regulate all business, as is one of Legislations primary duties for the American people. Unfortunately as I suspected you fail to list any relative evidence that pertains to this particular situation or industry. By the way Capital One only requested permission to recently act as a bank and have not yet moved forth and do not act as a bank. Learn your definition of bank. Capital One as many other Auto Lenders borrow money from mutual funds etc to receive capital for business then they have to pay that back first at 4-5% then they start making money. Also once again all you say is I am wrong with no solid analytical analysis or backing for your accusation. Instead of sound representation of your case you again attacked me as a male. My case was on the auto finance industry not mortgage lending, as this pertains to the auto industry, in which I am very actively involved and you are not so tell me how my information is incorrect. Good tactic using ignorance once again. Your fighting a loosing battle. The proof is in the writing. I have backed my beliefs with sound knowledge and you have only to say that we are wrong, or you have done research so look it up. My guess you're going to go look it up for your self now cut and paste it in reply. Yes Legislation is gearing efforts toward regulating banks to force them to fair business practices this does not effect the auto industry in great detail. Or Capital One as it is not a Bank and most Auto Lenders are not a banks. Don't argue this as I am a very avid J.D.A., specializing in business, and investor. I watch the industry like a hawk. Yes I know each state Law. Funny you mention it. Iowa and Wisconsin actually force Auto lenders to repossess a client's car after 30 days of delinquency and if the Auto Lender does not comply they are banished from doing business in that state. Funny that is not the case with mortgages in these states. HMMMMMM Anything else. No.

Hi Jason;

Your information is completely incorrect. I have done a great deal of legal research and study. I don't have to employ the old 'cut and paste' method of copying other people's ideas. But I see you are familiar with it.

The legal code in American is very clear. As is the intent of our legislators over the last decade to try to get several pieces of additional legislation passed to curtail the activities of regulated banks engaging in revolving credit accounts. You are completely misinformed.

You can run a Google search and take a look at the Uniform Commercial Code, The United States Code and the varying state codes, since they are different by state and I see you live in Florida.

I don't have the need to defend myself against your comment as I'm very happy with good relationships with the men in my life. God has been very good to me. But your comment is another good illustration of the frustration that women in America feel, instead of actually having any pertinent or correct facts, you stream out some great sounding and unrelated sounding speakese. In case anyone sees that you round it out with an attack on me personally.

Good tactic - but it stopped working with America late in the 60's.

Have a great day and I hope you are able to work issues you seem to have, respecting females with an IQ above that of a loaf of bread.

Kate,

Half of what you said has nothing to do with the above situation. It appears you are just cutting and pasting passages from something you have read on-line and are about entirely different situations.

As far predatory Lending it is reference to Mortgage Lenders and is an entirely different industry. Mortgage Lending for the most part is a direct Marketing business. Thus also you have a middleman involved who is trying to finance you through a bank and they receive a commission. Basically they try to make you as attractive as possible as a buyer because they have to go hang (or sell) your paper work to a Lender so they make a commission. Now auto Lending is indirect: you go to a dealer and fill out paperwork saying I want a car this is what I make this what I can pay back.

Then the dealer submits your application through a system that analyzes everything from what type of care your buying to your FICO score to determine if you would be a wroth while investment.

Then you receive offers from probably 5 or more different companies the dealer then chooses the lowest so they can make a kick off your purchase called Basis Points. The auto lender does not do predatory lending why? The value of vehicle decreases when you leave the Lot thus they will loose 8-9000.00 on average for every person who turns in a car and defaults on a contract.

Home lending the lender can make money because the values of housing increase daily were cars decrease. So please don't compare cookies and apples Kate.

The only thing you have that is correct or pertains to this issue is that if you ask a collection company to discontinue contact by phone then they have to decease. You call Mike Abusive unfortunately you need to take a look in the mirror your comments were extremely verbally abusive and racist. It sounds as though your father or a male figure such as a husband has abused you in some manner. I would seek help of a psychologist. Read over again what you have written it will help you to understand and see what I am talking about.

Mike's response is a complete, total and beautiful illustration of all that is abusive in an American male.

You were a co-signer on a debt. Mike would have you belive you are the original signer. Either that or he is speaking about a matter of law he is entirely ignorant on in the attempt to intimidate for no apparent (he has serious abusive tendancies) reason.

You do have the above rights, under the law. The remark about the trailer is uncalled for, disprespectful and no man of - any worth - would have made it. I know this, as I know men of actual worth. Mike shows no sign of it, in any way.

Don't listen to him, he is on his way to prison, no doubt. For either stalking a woman because he is so venomous that he cannot get his own, or because he beats the poor lass that is saddled with him, by whatever debt she obviously owes to the very demons of hell.

If Mike is any example of American manhood, within a generation or so we will be taking our daughters to a zoo, and cautioning them to examine what is contained in the cage.

"Be careful child, and watch what you do. For one day in the not so distant past, hateful animals such as this roamed freely. We called them Mike."

I need to go to Church? Are you kidding me? I prey on victims? Why must people always confuse EMOTIONS with BUSINESS? If you cannot afford to pay money back then you don't borrow it!!! All I see in this thread is people whining and complaining becuase of "Calls every other day." Rediculous! If you let me borrow 20,000 - 30,000 and I stopped paying it back then you would be calling me alot more than every other day. The fact that you cannot pay your bills has nothing to do with me. I do not make the collection laws and policies of companies that lent you money. I get paid to enforce the WRITTEN AND SIGNED CONTRACT you put your name on.

You breach the contract by not paying it back on time, NOT me. It is not my fault you got your butt fired from your job and cannot pay your bills now. Its not my fault you children are in jail and you spent your car payment bailing them out. Or My fault the roof on you trailer is leaking! Those things are called life and you have to learn how to deal with it when it happens. As far as me asking for absolution im sure that god would have something to say about you Lying when you guaranteed repaying in WRITING!!

Maybe you should spend more time in church asking them for financial help with your bills. Unless you are one of those people who turns to a church whenever its convinient for you to turn to religion. Shut up and stop complaining about you miserable life. IF you can pay your bills expect phone call. ITS NO BIG DEAL IF YOU PAY YOUR BILLS AND HONOR YOUR WORD!!!

Kim in South Carolina;

The law in America is available for everyone to read and use. In fact, for an attorney to represent you, they must first be accepted as your representative, in fact overriding your natural right to know the law and act in your own defense. A judge must accept them as your representative - and override your right to act on your own behalf. That's important.

2nd - there are laws that are written to control how businesses are allowed to behave. Those laws are the Uniform Commercial Code.

Additionally - there has been a new law to control the way that businesses are allowed to 'collect' a debt.

Before a company can pursue a co-signer, in my opinion, they must first have exhausted their pursuit of the signer of the debt. That wouldn't be you.

You have the right, under the Fair Debt Act, to request that a debt collector stop calling you. If they call you after that point there are serious penalties.

The reason that the above laws exist is to acknowledge the human condition. Sadly today we hasten to enter into debt. Where our parents waited to accumulate money to pay for things they wished to own - banks are all too ready to tell us we can have it 'all' now. And pay for it later.

When my Grandparents were alive and they went to get a mortgage on a property they wanted, the bank sat down with them and looked at their income, their bills and their ability to pay. That's fair. When a lending institution makes a loan to a person who doesn't have the capacity to pay - that's called predatory lending. We're trying now to pass laws to make this a crime. Find out if your Congressman or Congresswoman is voting to support this effort. It's a very bad turn of events for our country - as a whole.

But as far as anyone calling your house repeatedly, that is against the law - provided you have asked them to stop.

Important note - Capital One is a Federally regulated bank. Their FCID Cert. # is 33954. You can look this up, along with quite a bit of useful information at http://www.fdic.gov/index.html. Go to industry analysis and branch data. This is a very closely regulated industry.

As to Mike, the ex-employee. What a venomous response. I am indeed saddened that when you took your position at this company you were incapable of comprehending that the people who'd progressed to a point that they reached your office - had some type of tragedy befall them. Your response is a good example of one with no human understanding.

In this country, we have enacted legislation to protect consumers from banking fraud, human tragedy (such as death and divorce) and allowed those who have suffered so, to be forgiven their debt. Once upon a time, we had some sympathy for a woman who was left by a man, with debt, children and not much hope.

Now we have characters like Mike. God help us all, not exactly the milk of human kindness, is he?

These are called predators. They are the type of authoritarian personalities that seek out professions where they feel they will have a supply of victims. They are the evil beings who seek out those who have had their life dreams dashed on the rocks, abandoned and left alone. The type of humans who cherish that they've gotten the chance to call into a house where a woman is comforting a crying child and can disrupt and upset both woman and child once again.

Mike - you are the vilest underbelly of American living. You are a predator who enjoys adding pain to those who have been hurt the worst and lost the most. You are the one who enjoys not only withholding a helping hand, but you relish stamping on a bloody and grieving heart.

You should take yourself to the nearest church, regardless of the denomination and beg for absolution. You are all that is evil in our society.

Shame on you.

To you Kim - I say, go ahead and take care of your family and household. Get yourself a legal policy with prepaidlegal. I did and whenever somebody like Mike darkens my doorstep they go and get 'em. I am 9 years into my life - after being abandoned with my children. I learned how to work and pay bills and change my oil.

Don't you let anyone tell you that you did anything wrong by relying on promises made to you by someone you married. You were right to do so and you have been done wrong. It takes time to learn to do things yourself, but you can do it. The Mike's of this world want you to feel like you can't, like you won't make it and things will never be better. He is a liar, Kim. You can do it.

Well allot bothers me about both complaints and both are a little ridiculous. Of course if you were lent $30,000 then yes on day one if your late I would be curious as to what is going on. If you lent me $30,000 what would you do if I did not make the payment on time? I understand the second situation was difficult. I also doubt Capital One Associates worded the questions in the manner that they are listed. You talk about education although I am confused as to why you are unaware of general finance Laws, regulations and also why you are placing all the financial responsibility of your mothers debt on Capital One. Of course it is general practice for any company to assist you with alternate options that may be helpful.

Such as having someone else take over the payments or financing the van in someone else's name since Capital One can't re-write their own contract. So you keep saying Capital One would not re-finance. Well of course, they can't you would have to do this through another company. They are actually telling you to go to another company even though it would be a loss of business but may be in better interest of your mother the consumer. So Capital One said you could not voluntary reposes the car? I am sure that they advised you against repossession as you have stated your mother was very much up side down on her purchase.

Truth-be-told if they did repo the car or you turned it in, your mother would have had a deficiency balance to pay for (because the car would have been sold at an auction and would not payoff the loan), have no car, ruined credit because of the repo, and would have probably filed chapter 7 anyways (a lot worse than 13), because she could not pay for the deficiency balance left on the loan after the repossession. So she would have been a lot more worse off with your given solution of turning the car in. She would have had no car, a Bankruptcy, a repossession and ruined credit.

With no chance of re-building her credit as with chapter 13 she does. Sounds like Capital One helped out. By the way with Bankruptcy it's all a tax write off at the end of the year for the finance company. So they really don't care they actually get more money. It is claimed as a loss and the debt is still paid for. In regards to the collection efforts Capital One IS NOT A THIRD PARTY thus not governed by the FDCPA. Thus Capital One can call as many times per-day. If they talk to you then they will not call for another 24hrs+ although they do not have to abide by that regulation. They are calling you in re-gards to collateral that they technically own.

The Finance company is the owner and you the borrower of such property. Therefore they can do as they see fit since you are driving their car. All things to think about if you have bad credit and are thinking about financing a car. Such companies are a last resort for many people so collection efforts are very strict with any sub-prime lender for obvious reasons.

Pay your bills people. It is a simple concept. If you sign for it then you should pay for it. Chapter 7 or 13 is a good way around it if you are a deadbeat. Yes I said it. Deadbeat. Hey smart ladie who has a smart husband please give the definition of deadbeat. If you dont pay on time you might be a dead beat....not rocketsciene people. Just pay your darn bills and quit whining about life. Life happens and the the world goes on. Just write the check if the bank allows you to have an account. How does jesus feel about you having your children lie to you collectors....I bet he dont like it much.

This response is to Chris. The FDCPA strictly prohibits continous calling. Check out there website. Just use the initials above. You made a statement as to how the letter writer knew if someone call them 3 or 20 times a day. If you are home, it is your choice not to answer your phone. There is also caller ID. If the writer has a voice mail then that should be considered a contact. When I used to collect we were allowed one call to the home and one to the business.

Because big companies have the auto-dialer they think that will squirt the law. Let me tell you, I have had many people sue the credit companies for violating this law. No, I am not an attorney, but I did sleep at a Holiday Express last night. Sorry, had to get that joke out.

To the letter writer, if the companies are calling multiple times in a day, the law allow you to sue for up $1500.00.

Good Luck.

I too work in a collections dept. for a car finance company and our call tactics are the same...keep trying until you speak to the debtor.

How are collection calls harrassment when no one picks up the phone (or takes a message) in the first 10 or whatever attempts a day? If it is harrassing you all day long, then PICK UP THE PHONE THE FIRST TIME instead of dodging it! You have to be there if it is harrassing you!

I realize there are some companies who legitimately break FDCPA, but consumers need to realize that they themselves sometimes cause the "harrassment" by hanging up, not answering, trying to pawn the debt off on a 3rd party (re: ex-spouse), etc.

Once you sign the contract, you are in it for the long haul..good and bad. Bad things happen to good people....you just need to take responsibility and work through it.

You are the unintelligent one as I was making a comment about your rebuttal. I nor my husband do not and never had any sort of car loan with capital one. I was making a comment upon your rudeness. Most educated people (myself and my husband included) do not talk that way to anyone neither in person nor in writing. I think your rudeness and ignorance is what perturbed me most in commenting on a person's situation or complaint with capital one.

For you to assume that I had a car loan that went awry with capital one is ludicrous. I was making a comment upon your rebuttal to another's complaints. As for your angst over jobs being liquidated and sent overseas to India, I think that maybe you should take that one up with John Kerry's office or perhaps your congessman. My husband makes a substantial amount of money and we have one child that graduated both from a boarding school in Switzerland and from a well known private college with a degree in engineering.

I am not divorced nor ever have been. I was commenting on some situations that were known to me via acquaintences and the news media. Once again, Mike, you "jumped the gun" before the race ever started!

You are the unintelligent one as I was making a comment about your rebuttal. I nor my husband do not and never had any sort of car loan with capital one. I was making a comment upon your rudeness. Most educated people (myself and my husband included) do not talk that way to anyone neither in person nor in writing. I think your rudeness and ignorance is what perturbed me most in commenting on a person's situation or complaint with capital one.

For you to assume that I had a car loan that went awry with capital one is ludicrous. I was making a comment upon your rebuttal to another's complaints. As for your angst over jobs being liquidated and sent overseas to India, I think that maybe you should take that one up with John Kerry's office or perhaps your congessman. My husband makes a substantial amount of money and we have one child that graduated both from a boarding school in Switzerland and from a well known private college with a degree in engineering.

I am not divorced nor ever have been. I was commenting on some situations that were known to me via acquaintences and the news media. Once again, Mike, you "jumped the gun" before the race ever started!

You are the unintelligent one as I was making a comment about your rebuttal. I nor my husband do not and never had any sort of car loan with capital one. I was making a comment upon your rudeness. Most educated people (myself and my husband included) do not talk that way to anyone neither in person nor in writing. I think your rudeness and ignorance is what perturbed me most in commenting on a person's situation or complaint with capital one.

For you to assume that I had a car loan that went awry with capital one is ludicrous. I was making a comment upon your rebuttal to another's complaints. As for your angst over jobs being liquidated and sent overseas to India, I think that maybe you should take that one up with John Kerry's office or perhaps your congessman. My husband makes a substantial amount of money and we have one child that graduated both from a boarding school in Switzerland and from a well known private college with a degree in engineering.

I am not divorced nor ever have been. I was commenting on some situations that were known to me via acquaintences and the news media. Once again, Mike, you "jumped the gun" before the race ever started!

You are the unintelligent one as I was making a comment about your rebuttal. I nor my husband do not and never had any sort of car loan with capital one. I was making a comment upon your rudeness. Most educated people (myself and my husband included) do not talk that way to anyone neither in person nor in writing. I think your rudeness and ignorance is what perturbed me most in commenting on a person's situation or complaint with capital one.

For you to assume that I had a car loan that went awry with capital one is ludicrous. I was making a comment upon your rebuttal to another's complaints. As for your angst over jobs being liquidated and sent overseas to India, I think that maybe you should take that one up with John Kerry's office or perhaps your congessman. My husband makes a substantial amount of money and we have one child that graduated both from a boarding school in Switzerland and from a well known private college with a degree in engineering.

I am not divorced nor ever have been. I was commenting on some situations that were known to me via acquaintences and the news media. Once again, Mike, you "jumped the gun" before the race ever started!

what you simply need to do is notify capital one in writing and aswell by telephone to longer call you at home or work, If they continue it is a form of harassment and you could possibly file charges. You might call the FCC or simply conatct a attorney. Find one that 1st consultation is free.

As to Mike apparently I believe he said he use to work there only after 2 yrs. I worked there over 6 yrs. Sounds like he knows every situation inside and out. Capital One is able to call your home from 8am til 9 pm 6 or 7 days a week, until they speak with you the account holder. After that they are not suppose to try again for 24hrs once they spk with you. I myself did collections and I would see capone calling the same ph number every 2 hrs until we were able to speak with the account holder. Even though you were telling capone to contact your ex, they can not and will not change any account info until the actual acct holder does. because your ex was not paying the payments they can andwill call you.

I hope you have had this whole situation staightened out by now if not, GOOD LUCK!!

People now-a-days have to have what they want RIGHT NOW. Who knows how they plan to pay for it. If they can get the credit for it--then they buy it. People are lead to believe a credit line increase is some sort of Reward. If you bought it--PAY FOR IT! Why should someone with a $40,000 a year income have a $38,000 SUV? Stupid stupid stupid.....

Im the unintelligent one? Don't you think before you bought the car you should have budgeted a little better? People are so quick to buy a car and NOT PLAN for stuff to happen. It is not COAF's (OR ANYFINANCE COMPANY) responsibility for you to stop having children!!!!

****Let me add something off topic here:

I HATE Capital One, COAF, anything that has to do with them. Richard Fairbanks is a Greedy b*****d and is send all the jobs to India so he can continue making 300+ million per year in stock option.

This is is coming from a profession COLLEGE education person. You need to be more financially responsible with your financing and purchasing choices!

If you were the type of person that capital one hired, no wonder there are so many complaints. Your response was both rude, unintelligent, and
insulting. Quite frankly, people are not "deadbeats" in the matter of their debts.
Circustances happen in people's lives that are unforeseen. You obviously took the road of harrassment and most likely threats which are illegal. You get a percentage of monies for your harrassment of people that are past due from capital one. It must pad your paycheck while causing grief to the people that you come in contact with.

How you ever got the job with capital one is beyond me! Some people cannot afford to get second or third jobs. Some are single mothers whose second job would go to totally pay the child care expenses. You, Mike, never should have worked for any banking or credit card institution. Your mannerisms are ignorant and beneath anyone who comes in contact with you.
You most likely are the type that go into a bar just to beat people up because quite frankly you seem to verbally beat people up. Resolve your ignorant anger issue. Get a degree!

Try this one from the money hungry bastards... My dad purchased a new dodge van from the dealer. Payments were $381.00/month. He died Dec. 18, 2003. ( car payment was due Dec. 19th ). Sure enuff cap 1 calls the 20th ( we havent even had funeral yet ). They are informed account holder passed away. IMMEDIATELY...NEXT QUESTION out of their mouth " can we put this account in YOUR name ? " Dad isn't even buried yet, they want to move account into another name, then he asks " well who's going to make this month's payment then? and when? " My mom made the payment ( it was late obviously ) they added $25.00 late fees. She continued to make payment for jan - april 2004. after they got her $$$ straightened out from retirement and social security. Parents income went from $2800.00 month when dad was alive ( military ), to $921.00 after his death ( survivor benefits ). the van payment w/ insurance was almost half f mom's monthly income now, and she just couldn't afford to pay it. ( she's handicapped and cannot drive anyways ).

I called Cap 1, explained she couldn't afford van, asked if they could either refinance it to lower payments, or allow smaller payments andswer was " You signed for the current payments, that's what you pay " At that I told them mom was voluntarilly giving the car back to them as she coudn't afford to keep it. Their response: We won't take it back, you'll have to find someone else who wants it in their name or find someone to BUY it. Book value on van is NOW $6700.00 ( 2002 model) loan payoiff is $12,500.00 ) NO ONE in their right mind will loan or pay $12,500.00 for a $6700.00 vehicle. this past Monday I talked to TWENTY ONE different people at Cap1, fromt he "deceased dept. , collections, repo, loans, finance,and front office in the space of 1 hour 20 minutes. NO ONE CARES that she is trying to KEEP this vehicle and PAY FOR IT, but she's asking for lower payments to be able to do so. After battling with Cap1 for a week, we found a way for here to keep it now.

It's called CHAPTER 13 ! She now KEEPS the van and pays $160.00 a month for it thru chapter 13.

All this could have been avoided if they had only TRIED to accomidate her in SOME WAY, but they aren't interested in anything but their $$$$$.

Well now they'll get their $$$$$.....30% of it !

First of all here is the best way to collections people to stop calling you: BE RESPONSIBLE AND PAY YOUR BILLS. Next, I used to work at Capital One Auto Finance in thier late stage collections department, cap1 gives you ample time to resolve your situations. In the 2+ years I was with COAF you know what I saw? The same deadbeats month after month after month. YOU KNOW WHO YOU ARE!

Now you should understand that COAF is not a 3rd party debt collector. Therefore is not governed under FDCPA laws. Your luck they only call you 4-5 times a week. They have 91 hours a week they can call you. And you are complaining about 4-5 calls? Just another Deadbeat they should have repo'd a long time ago. Stop your whining and get a 2nd job. Maybe that will help the calls stop.

I have got this statement off the web page from CCS Of Southwestern Virginia...
http://www.cccsswva.org/AskSusan/CollectionCalls.asp
I hope this helps you in stoping all the harrasment you been getting Kim... The Fair Debt Collection Act...Not too many people knows this it seems like...
Some links that will help too...

http://www.ftc.gov/opa/2000/07/nacc.htm

This is the one I enjoy so much...

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Read # 806

Good luck and hope this stops all calls you been goin tru.....