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Taking my own advice Part Three

By Cathy Moran

I can report that the “do not contact” letter works, at least with my creditor, ATT. I wrote earlier about my billing dispute with ATT and how I sent a letter citing California’s Rosenthal Act to ATT telling them not to contact me at home.

California’s Rosenthal Act gives consumers many of the rights they have against third party collectors under the Fair Debt Collection Practices Act against the original creditor as well.
Since the first phone call from ATT’s collector, NCO, we have heard nothing about this debt. In my letter, I invited ATT to have someone with authority to settle the matter call me at Moran Law Group to discuss. I have heard nothing at work.

They have also stopped calling at home. I’m cautious about declaring victory, but my bill, now consolidated ATT local service and long distance, doesn’t show the bill for the cancelled service. I just may have won.

See the beginning of this saga.

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About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Bankruptcy Basics

About The Soapbox

You’ve arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said “try”).

Here, I allow myself to tell stories and express strong opinions. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

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Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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