Do you believe what this CA is doing!
Date: Fri, 01/29/2010 - 15:48
I never heard that before
yes, there is a lexis report that gives detailed info on you and
yes, there is a lexis report that gives detailed info on you and also on your neighbors and relatives. this is one reason I talk to them and don't ignore. After all, what is there to call my neighbors about if I am giving them regular updates?
From Wiki:
LexisNexis describes itself as the "world’s largest collection of public records, unpublished opinions, forms, legal, news, and business information" , and targets its products to a wide range of professionals in the legal, risk management, corporate, government, law enforcement, accounting and academic markets. Typical customers of LexisNexis include [URL="http://www.debtconsolidationcare.com/wiki/Lawyer"]lawyers[/URL].
Calling neighbors is definitely in the playbook. And yes, LexisN
Calling neighbors is definitely in the playbook. And yes, LexisNexis specifically has a "neighbor finder" report, which will give the name/address/phone# of all your neighbors.
The only time I really call neighbors is when we are trying to serve legal process and the defendant is evading summons. Many times the person has a friend/family answer the door and tell the sheriff that the person "doesn't live here anymore." So then we'll call neighbors, verify if the person lives there, and then request the judge to allow service by publication since the person is concealing themselves for the sole purpose of evading a summons.
If somebody is dodging service, all is fair. But LexisNexis is
If somebody is dodging service, all is fair. But LexisNexis is a little scary how much they have on us that can be utilized for the benefit of others. If you add access to credit reports, these collection folks have you coming and going. If you think you are going to deceive them to any extent for your benefit, be ready to have your story called.
Quote: But LexisNexis is a little scary how much they have on u
Quote:
But LexisNexis is a little scary how much they have on us that can be utilized for the benefit of others. |
That is true. I run reports on myself sometimes to see what's there. Several years ago, my upstairs neighbor had her phone shut off, so for a month or so she would give people my number, which I was okay with. Well, LexisNexus now has me "linked" to the upstairs apartment as if I live there. That neighbor has since moved and others have come and gone; but because I'm linked to that apartment, and my phone # is listed, I constantly get collection calls for anyone that lives up there.
Guys, let me shed some light on this one. First, it is NOT LEG
Guys, let me shed some light on this one.
First, it is NOT LEGAL for a debt collector to call your neighbors repeatedly, PERIOD. This is simple fact and the FDCPA shows this. A third party debt collector can only make contact with a third party one time, and only to try to locate you. They can NOT, repeat NOT, tell that third party that you owe money. The FDCPA is federal law and it specifically prohibits a third party collector from sharing ANY information about you or your debts with anyone that you do not specifically authorize them to release that info to. The FDCPA clearly states that they cannot tell a third party that you owe a debt at all.
Second, the moment that they make contact with your neighbor, they cannot call him back again AT ALL unless one of two things happens....
1--if they have legitimate reason to believe that your neighbor has new information about your location, OR
2--if the neighbor himself gives them permission to contact him again in the future.
Third, if the debt collector in question already has your location info and/or good contact info for you, then it is NOT legal at all for them to contact any third party about you. Third party contact is ONLY allowed per the FDCPA for them to try to locate you. If they already know where you are, then calling your neighbors is a big fat no-no right from the start. And lets face it, if they looked up your current address, got the contact info for all your neighbors, and started hounding them all about you, then OBVIOUSLY they know your location--in the neighborhood that they targeted!
Finally, "if someone is dodging service". Thats a load of crap to be honest, because it doesnt matter, legally speaking, if youre dodging service. The law has a way to address that, and if a debtor is dodging service that doesnt give a debt collector the green light to break the law! There's a LEGAL way to handle someone dodging service.
Keep this in mind, all of the info I just posted is for third party debt collectors only, so if you owe Citibank money and they are calling your neighbors, they arent covered by the FDCPA and so are operating within the law. Original creditors are not bound by the FDCPA.
I thought it was illegal for creditors or CA to provide anyone (
I thought it was illegal for creditors or CA to provide anyone (except you) any info regarding your debts. I thought they were only legally allowed to ask for you or info to reach you and not disclose the reason. Plus if the individual states "do not call again" I thought the CA must follow these laws or can be reported/sued based on the FDCPA.