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Guest · Posted: Fri May 02, 2008 10:38 am

If a debt collector is required to be licensed in a state to collect debt and fails to get licensed but still runs their business anyway. Is that illegal? Also seeing as they where not licensed to collect debt, does that mean that if they sue you in court, could you have it thrown out based on those terms?

They where never legally able to collect debts so I feel it is their own fault and are not entitled to collect on a debt they have no right to purchase or collect on.

Posted: Fri May 02, 2008 2:23 pm

Some states do not require a license. Some require them to be bonded. I think maybe one or two doesn't require anything but I am not 100% sure on that.

Guest · Posted: Fri May 02, 2008 2:26 pm

I know my state requires them and the collection agency has already been warned numerous times that they need to be licensed but have failed to comply. If they go ahead and still conduct business, does that mean they can legally sue or is it their own fault for violating the law and they are owed nothing?

Posted: Fri May 02, 2008 9:31 pm

Check your state laws, it will tell you what can be done about an unlicensed CA.

Posted: Sat May 03, 2008 4:49 am

If a business is operating in a state in which they are required to have a license and/or bond and do not you would probably complain to the state Attorney General's office and state tax department or comptroller's office.

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