Can they do this?
Date: Tue, 02/27/2007 - 14:05
I came home today to find a note from the local branch taped to our door. I was SHOCKED! Are creditors allowed to show up at your front door like this? I feel this was VERY threatening...that would have had to MapQuest to find our home.
I had this happen to me once in the early 90's, but didn't think
I had this happen to me once in the early 90's, but didn't think it was commonplace. American General could have just sent a certified letter and would have had proof that you received the letter and signed for it, rather than hand-delivering the note. I would be tempted to write a complaint to their corporate office.
It is unethical but they can do it because they are original cre
It is unethical but they can do it because they are original creditor and don't have to follow debt collector rules. Look into your state's statutes for trespassing and harassment. If they come back take yourself to the police station and file charges.
It's confusing to me, when people say the original creditor do n
It's confusing to me, when people say the original creditor do not have to follow debt collector rules. Aren't there some guidelines that original creditors have to follow?
Yes, many states have laws based upon the FDCPA77. For a number
Yes, many states have laws based upon the FDCPA77. For a number of them, the laws may also apply to the original creditor as well. Many of the same exemptions come into play; debts that are not legally considered debts (business, non-profit (?), government debts-although fdcpa adherence may be mandated, etc.). Which brings me to an idea. I'll post a new thread about it.
