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Under the FDCPA, a collection agency may contact your references only when they are unable to reach you. However, they are prohibited from revealing any information related to your debt. If you have been in contact with the collection agency, then they don't have the legal right to call and disturb your friends and relatives. Your friends and relatives can tell the collection agency to stop calling them or send a cease and desist letter to them.
Sub: #1 posted on Fri, 09/28/2007 - 07:14
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ladybug
Sub: #2 posted on Fri, 09/28/2007 - 21:35
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Can they release info about the debt-no
The purpose of the references is for the creditor to get in contact with you if they havent heard from you....but you say you have been in contact with them, so I dont see the need for them to contact references.
On a 1st party contract, the Cease and Decist letter is not in your best interest...sure they MIGHT comply but they dont have to and they can view that as you not being interested in paying, especially on a secured debt that they can repo property for (your car).
However, you can tell your references to tell them to stop calling and send them a no call letter. They are not a party to the debt unless they cosigned.
Sub: #3 posted on Fri, 09/28/2007 - 22:03
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Sub: #4 posted on Fri, 09/28/2007 - 22:31
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Sub: #5 posted on Fri, 09/28/2007 - 22:39
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Sub: #6 posted on Fri, 09/28/2007 - 22:44
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ladybug
Sub: #7 posted on Sat, 09/29/2007 - 22:02
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Sub: #8 posted on Fri, 04/16/2010 - 11:19
Sub: #9 posted on Fri, 04/16/2010 - 11:33
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