Category Archives: US Bank

Don’t be too surprised if US Bank continues to call your family

Don’t be too surprised if US Bank continues to call your family, friends and neighbors in their attempts to locate you, even after you send a cease and desist letter.

Note that the Fair Debt Collection Practices Act is not applicable to those parties collecting their own debt. The FDCPA is applicable only to third parties (collection agencies) and lawyers. In your case, it appears that the creditor is collecting their own debt, therefore a cease and desist letter will have little, if any, impact.

Have you attempted to work with these people? You might be able to get them to agree to settle the account for something substantially less than what you owe. A cease and desist letter will not influence them to work something out with you.. Many bankers would much rather work with someone that reaches out for help than with someone that refuses positive communications.

At the very least, the good news is that they haven’t yet written you off, and are trying to locate you, probably to try and work something out before sending it to a collection agency\attorney.

Good Luck!