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Can a collection agency make inquiries on your credit report before placing it's debt?
Wiki User
∙ 16y ago
== == Collection agencies do not have the legal right to pull your credit report unless you gave them permission.
Wiki User
∙ 16y ago
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Can a creditor or collection agency levy your spouses account if it was before we were married and I'm not on Her account?
I believe so - When you get married you assume all the debts.
Can a credit card company or collection agency put a lien on your home before first taking you to court or can they get a judgment against you with out you knowing about it first?
No. Court is a must
Is the original creditor required to notify you of debt before using a third party collection agency?
Yes, the original creditor should have notified you that you had an outstanding balance. The creditor also notifies you that they will be submitting your debt to a "third party" collection agency. This is usually the final notice before your debt is sold. If you never received a notice, it is not required that the original creditor send you notice, all it is is common curiosity that they do.
When the original creditor on a second mortgage charges off the loan as bad debt can a collection agency foreclose on the mortgage?
They (collection agency) would first have to buy the mortgage rights from the original creditor (usually for just pennies on the dollar), before they could take action. Normally speaking though, once a charge off has occured, the chances are slim that a 2nd party would buy those rights due to high risk/low chance of recovery of assets and/or cash as the original creditor has probably already tried applying the max legal pressure (hiring a collection agency) to collect the debt.
Does a credit agency have to notify you of money due before they report to the credit agency?
No
Can collection agency put a lien on your bank account in sc?
It is possible for the collection agency to put a lien on your bank account. Before they can do this, they must go through the proper procedures first.
Is it legitimate if a collection agency sent you a letter stating that their client would settle for a certain amount if paid by a certain date and they want you to fax the letter to them?
Before making any commitments to a collection agency, you should get confirmatio from the original creditor that the collection agency has legal authority to collect at settle the debt.
What is the normal time before a creditor can use a collection agengy to collect a debt?
Generally a Creditor will wait 180 days from the date of the last payment before passing the account to a Collection Agency
Is it legal for a collection agency to try and collect on a Sunday?
no ,they also cant call before 9 am or after 9 pm
How do you pay a collection account?
Have the collection agency send a written agreement accepting the settlement or payment amount agreed upon BEFORE rendering any payment(s).
How soon can a vendor send a client's account to a collection agency?
There is no law that restriction how long a creditor or business must hold a bad debt before forwarding it to a debt collections agency.
You had a few collection accounts paid off yesterday and the collection agency does not send you any documents stating you have brought the balance to zero before 30 days?
So, what is the question here?
Is it legal for Practice to add a fee to patienct balance before they send it to a collection agency in the state of Florida?
Yes, it is generally legal for a medical practice in Florida to add a fee to a patient balance before sending it to a collection agency, as long as this practice is clearly outlined in the patient's agreement or consent forms. However, it is important for the practice to comply with state and federal laws regarding debt collection practices and patient billing.
Can a creditor or collection agency levy your spouses account if it was before we were married and I'm not on Her account?
I believe so - When you get married you assume all the debts.
How long before a cable company can submit your balance to debt collection agency?
things like this usually are after a couple months of non payment
What time limit is required for a collection agency to wait before reporting to your credit?
By federal mandate, the credit reporting agency must NOT report you to the credit bureaus until 30 days past the date of the letter sent to you.
Will a collection agency sue for 1200.00?
Yes, many have a $1000 minimum. Best to try and settle the account or negotiate a payment plan before it goes that far.
