Mountain Loan Centers Harassment and Violation of the Fair Debt Collections Act St. George Utah

 The reason they are calling you is because you borrowed money from them and did not fulfill your legal obligation to pay them back.  The reason they will not stop is because the FDCPA does not apply to them.  They are considered an original creditor and the FDCPA only applies to 3rd Party Collection agencies.

Oh and just as an FYI the "Bankruptcy" threat means nothing to them.  They probably hear that from the dozens of other people who don't want to pay them.  Where the deadbeats think that just saying the word "Bankruptcy" is like some magic pill that gets the company to run away in fear. 

Well the fact is that a) If you declare bankruptcy and they can not collect payment they just take it as a loss so there is no additional incentive.  b) Depending on the bankruptcy you are granted you may be required to pay them back anyways..again no loss.  c) You may not be allowed to delcare bankruptcy.  d)You are just lying and have no intention of declaring Bankruptcy. 

So as you see in all cases they really don't loose out.  Oh there is also another possibility.  Once people use the bankruptcy "threat" they try to beat you to the punch and will actually file a lawsuit against you for not only the amount you borrowed, but the additional interest and fees because you are not paying as well as the court costs.

All of this is totally legal and would have happened with ANY company you decided to stiff. Why?  Because these companies are not charities.

 The Fair Credit Act only applies to Third Party Debt collectors. You are being contacted by the original company therefore you are not protected under this act.  A Cease communications letter does not apply  to this situation.  If you are applying for bankruptcy then inform them of this.  BUT you are not guaranteed to be granted this either.

They are the original creditor, therefore the Fair Debt and Collections Act DOES NOT apply to them.  However there's a very simple, easy to understand method to be used to get them to stop calling.  Its called the PYB action.  It works everytime!  PYB?  Yes...PYB.  Pay Your Bills!  No, I don't work for them.