Debt Collectors and Licenses
Date: Sat, 07/12/2008 - 09:50
I know it might be a longshot but do you think it will work? And can it be part of the validation?
Yes, you can always ask for proof they have legal right to engag
Yes, you can always ask for proof they have legal right to engage in Debt Collection in your state. You also can contact the state agency charged with Licensing and verify for yourself if they have a license.
One thing to be careful of though. Some states allow reciprocal licensing agreements. This means that they will recognize a debt collection agency from another state as licensed if that agencies home state does the same.
For example a Collection agency licensed in Ohio can collect in Illinois even though they aren't actually licensed in Illinois because Illinois and Ohio recognize each others licensing. Similarly an Illinois Agency can collect in Ohio in the same manner.
An example from the Illinois Compiled Statutes:
??
As always, it is highly recommended to check your own state laws to learn and understand the provisions and how they may or may not affect your situation.
yes, It can, and should be part of the validation process, or ca
yes, It can, and should be part of the validation process, or can be done under separate communication.
?? Now, would they still have to have a license? The collect
??
Now, would they still have to have a license? The collections itself didn't sign for an Exempt form, so they would have to have their collectors licensed correct?
Now, I am going to print out the employee list that has been licensed under this particular Collection Agency and see if they say anything different. If so, can I take them to small claims court? Of course, the printed page wil have the date and time of the surch and the names of employees on it.
Eek. I'm a bit excited but not holding my breath for replies on this one.
If it states they are exempt then they are. However they may be
If it states they are exempt then they are. However they may be required to be bonded (this varies from state to state)
I understand that, although just because the state say that they
I understand that, although just because the state say that they can be exempt doesn't mean that they are. They still have to fill out the necessary paperwork to actually become exempt.
In any case, I still haven't found the agents on the list.
I had a judgement against me for a debt, I have since settled th
I had a judgement against me for a debt, I have since settled the debt. Is there anyway to have the judgement removed. Can I sue the debtor if the are not licensed in the state I live in and have the judgement removed?