Hi, I'm not sure of California limits, usually at least a few years. There are FDCPA guidlines for debt collection. ANY STATE commerce dept (not chamber of commerce, just 'commerce') and/or the states office of Attorney general will have all the best info. Not blowing off your question, but they will be the best sources. There are national/federal agencies. Most debt collectors could give a rip about them. THANKS
That's the original creditor's "in house" collection department. They are NOT subject to the FDCPA as are 3rd party collection agencys.
depends on what the 14 year-old did ;)
Yes, collection agencies can do this. However, first they need to sue the borrowers and obtain a judgment from the court against the general assets of the defendants. Usually, a judgment will become a lien on any real estate property the borrowers own. If the collection agency does not go to court to sue for a judgment, however, it can not place a lien on a home. And not all states or counties may allow judgments to be attached as liens, although many do allow this process.
There is the kind of letter that you write insisting on this condition prior to paying a collection account. There is also the collection agencys' written agreement stating this. There is no standard form letter.
yes and do all the time and the old agentcy will still show on credit report It can be bought and sold as many times as the agencys want to move it around
No you can not
In the state of ma. How much do you get a month for a child that is 10 years of age.
Yes.
Yes.
The Privacy Act of 1974 protects citizens agains the sharing of personal data.
If you are not refusing to pay and you pay the debt, they would have no reason to sue you. If you refuse to pay a valid debt, they may advise their client to sue you depending on what state you are in and what the laws are there. Some states only allow original creditors to sue and not the collection agency.
YES