some questions pls re: coll agencies
Date: Thu, 01/22/2009 - 14:59
2. when a CA cleary has yr correct address and phone # can they still call yr inlaws and question them, like what is the relationship to you?
3. is it always a good idea to send a DV?
and last question: is a a good idea to check and see if there is a judgement against that you were never notified on?
This is all regarding cc debt? I'm in the passing around to different CA's catagory. Right now Collectcorp is on me.
Thank you for your time.
Getting your account number is fairly simple....they simply send
Getting your account number is fairly simple....they simply send letter and copies of the judgement to banks in your area until they get a hit.
If they have your phone number and address they should not be calling your inlaws. However if you have never answered the phone, they might call to verify that it is a good phone.
Which they should do one time only, unless they are invited to c
Which they should do one time only, unless they are invited to call back by that third party. Which they usually are not, yet do anyway.
They are also not supposed to divulge your personal business to that third party or use said third party as a messenger service. But they usually do that anyway, also. They cannot contact your employer to "verify salary" or any other reason unless they have a judgment against you. But they'll try that too.
Just to intimidate and harass you.
If you doubt anything about that debt or the amount they are quoting, or if you doubt the CA's legal right to be collecting on that debt, then yes you should DV them. I DV all CA's because, more than once, I have had multiple CA's attempting to collect on the same debt at about the same time. I fail to understand how more than one CA should be collecting on the same debt at the same time, but there you go.
It's happened.
It's always good to pull your credit report at least once a year. That way you will be aware of any debts or judgments you may not realize are out there. You can also check your local clerk of courts to see if you have any outstanding cases or judgments against you. Amazing how a CA will sue someone and somehow, miraculously, that person was not properly served. Sometimes CA's will also try suing in courts outside your place of residence, just to get that all coveted "default judgment." That's why you should pull your credit reports annually.
I believe no matter what state you live in you are entitled to one free credit report per year from all three major credit reporting bureaus. I think the website is myannualcreditreportt.com.
Not to be confused with that website that has the guy singing the catchy tunes on TV.
