Can Collection Agengy give out info to third party

Date: Fri, 02/23/2007 - 20:11

Submitted by anonymous
on Fri, 02/23/2007 - 20:11

Posts: 202330 Credits: [Donate]

Total Replies: 9

We had an old credit card that we stopped paying on in 2002 and have not heard a word about it since then. I called one time to find out and they said it had been written off. My husband got a phone call at work the other day (he is a teacher) and one of the other teachers in his school answered the phone in the office and took the message. They told who they were (Credit Bureau of America), case number, call back number etc. I called them and they said they had this account and that the original debt was 3100 but now its up to 6000+ with fees and interest. I asked them to validate the debt and the lady said you can look on your credit report to find out what it is. I dont mind settling this if we can make payments but how can i get out of paying the 6000+ and can they give out that information to a third party? What should we do to get this settled?

Third party collectors are not supposed to give out info on a pe

Third party collectors are not supposed to give out info on a person's debt. That is a violation of the fdcpa.

lrhall41

Submitted by brownsugar on Fri, 02/23/2007 - 20:13

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They can only give out information to the person's spouse. They

They can only give out information to the person's spouse. They should send you a dunning or collection notice within five days of initial contact. I would send them a debt validation letter via ceritifed mail with return receipt. Make them prove the validation to you. This is the law and there is a sample letter in the DIY section of the forum.

lrhall41

Submitted by Cow & Chicken on Sat, 02/24/2007 - 04:59

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:shock: Communications with 3rd parties are for location purpose

:shock: Communications with 3rd parties are for location purpose only.They cannot discuss anything with them. All they can do is ask how to contact you. After your location has been confirmed,3rd party contact is no longer authorized. They have 5 days to mail you a letter or they will violate FDCPA again.

lrhall41

Submitted by cajunbulldog on Sat, 02/24/2007 - 06:03

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How about if they are the original company that I woe money to?

How about if they are the original company that I woe money to? Can they give out my pesonal info to third parties, because from what I understand they do not need to follow fdcpa rules.

lrhall41

Submitted by lrhall41 on Sun, 02/25/2007 - 05:54

( Posts: 245 | Credits: )

What state are you in? Some states have laws in place that cove

What state are you in? Some states have laws in place that cover 1st party in addition to 3rd party collections. Is the creditor collecting in their own name, or are they using an entirely different name?

lrhall41

Submitted by Morningstar on Sun, 02/25/2007 - 06:10

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Morningstar is correct. Look into statutes on state laws regardi

Morningstar is correct. Look into statutes on state laws regarding private privledged info. Check out www.ftc.gov
to see if oc would fall under another law.

lrhall41

Submitted by cajunbulldog on Sun, 02/25/2007 - 06:21

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This is an interesting topic because I had one CA calling lookin

This is an interesting topic because I had one CA calling looking for me all over the place after they had established phone contact with me.

lrhall41

Submitted by Cow & Chicken on Mon, 02/26/2007 - 05:41

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Mishele,Just because they are supposed to follow the laws does n

Mishele,Just because they are supposed to follow the laws does not mean they will.Once enough companies get sued,maybe they will make effort to follow the law.

lrhall41

Submitted by cajunbulldog on Mon, 02/26/2007 - 05:49

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I had one company that was calling all my neighbors, and bad par

I had one company that was calling all my neighbors, and bad part was, I didn't even know my neighbors at the time! One lady ended up coming to my house because she was called like 5 times and was told that it was her "moral obilgation" to provide them with information as to whether or not I was her neighbor or not and to make sure that she got a message to me! This was within the first year of me moving to a new state.

lrhall41

Submitted by 2nband on Mon, 02/26/2007 - 07:43

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