Can a debt collector look into my personal account?

What manner of personal account are we discussing here? Checking account?

hi mayo--

The first thing I would do is send them a certified letter requesting validation of the debt. In that letter, I would include what we call a "cease and desist" statement. It basically says that they are no longer to contact you by phone, at any telephone number, concerning this matter. All future communication is to take place through the mail.

There is nothing illegal about them asking questions about your personal accounts, but me personally, when someone tries to strong-arm me like that, especially right off the bat, I simply tell them that my personal accounts are exactly that--personal--and therefore none of their business. Dont let them scare you into giving them ANY personal information such as account numbers, credit card numbers, or anything else like that.

You are so right skydivr..these places never cease to amaze me in there actions.

It was a savings acount that I have for years, but nothing in it. Just a few bucks. I open it for getting a car loan.

Thanks, that will help me out....

as a rule, I NEVER discuss any details about my finances, bank accounts, bank balances, etc etc etc with debt collectors. Not one inch of that information is any of their business. The only thing that a legitimate debt collector needs to know is "yes, I can pay that bill", "no, I cannot pay that amount", "that amount has already been paid", or "you need to validate the debt before you proceed any further".

Anything other than that, and they are no longer speaking about collecting the debt in a manner that I feel they have any right to be. Keep in mind that most of these collection calls come from debt buyers that you never had any obligation to, that you have never done business with, that the only thing you owe them is to pay your obligations, and thats if the debt is even yours at that point. You dont owe them your life story, your personal private information, access to any other part of your life, employment history, finances, etc etc. The minute a CA starts asking for that info, thats where they are told to either get back on the issue or end the conversation.

I was contacted by a "law firm" trying to collect money. Now I am suing them for impersonating a law firm. It was a collection agency using a lawyers license and acting like they were the lawyers. This might be your situation as well!

dont anyone even bother replying to that comment, it is a sad attempt at best, and thats giving too much credit as it is.

Can they take your car, or your money from an bank account, to collect on a unpaid credit card account?

If the credit card is offered by your bank then you probably agree to allow them to use what ever funds you have on deposit to settle any outstanding debt.

Otherwise they would have to go to court to get anything else.

but can they leagally take you to court after you agree to pay an amount, to see you financial records/