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Can mortgage co. call me every day when I am 15 days late?

by Tosha
(Brandon MS Rankin)

Can I make my mortgage company stop calling me prior to me being 15 days late? I have paid all of my mortgage payments on time for 3 years and now that I am running an average of 15 days late, they call me every day. I then have to sit through this lecture about how if I would pay my bill on time then they would not call. If I could pay my bill on time, I would.

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Can mortgage co. call me every day when I am 15 days late?

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May 22, 2011
 Can mortgage co. call me every day when I am 15 days late?
by: debtcollectionanswers.com

From the perspective of your mortgage company, your payment history over the past 3 years really does not matter. It cares about whether or not you will be able to continue making your mortgage payments. That is why you are getting calls whenever you are late.

The federal Fair Debt Collection Practices Act (FDCPA) says that debt collectors cannot harass a consumer who owes a past due debt and what you are experiencing sounds like harassment. However, the law only applies to outside debt collectors. So, if you are being called constantly by a collector who is an employee of your mortgage company, then unfortunately, the constant calls are legal. However, if you are being contacted by an outside collector, then the calls are probably illegal and you should set up an appointment with a consumer law attorney in your area who helps people resolve their debt collection problems. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.
Jul 15, 2011
 bank of america
by: Anonymous

i get an average of 4 to 8 calls a day from my mortgage company saying that I am past due. my bill is due on the 1st and late on the 15th. they told me that they can start calling me on the 2nd and even if i make a promise to pay date, they will still call me every day and must speak to me. is this legal? mind you I have only been 30+ days late in 15 years.

Reply from DebtCollectionAnswers.com: You may want to go ahead and get a free consult from a local consumer law attorney with experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Some states have debt collection laws that apply to creditors, and they may be of help here.

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