No.
In general, debt collection agencies are required to follow the Fair Debt Collection Practices Act, which prohibits them from discussing your debt with third parties, such as your landlord, without your permission. If a debt collection agency is sharing information about your debt with your landlord without your authorization, they may be violating the law.
Yes, a collection agency can file a judgment against you for credit card debt in Texas if you fail to repay the debt. This could result in wage garnishment or liens on your property. It's important to address the debt or negotiate a repayment plan to avoid legal action.
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.
Yes, a collection agency that has purchased your debt can sue you for the outstanding balance, even if it has been three years since they acquired the debt. However, the statute of limitations for debt collection in Arizona is 6 years, so they have up to 6 years to take legal action against you. It is important to seek legal advice and understand your rights in this situation.
In Washington state, a collection agency can potentially file for a judgment as soon as they have exhausted other debt collection methods and the applicable statute of limitations has not expired, which is generally six years for most debts. However, the timeline may vary depending on the specific circumstances of the case. It is advisable to seek legal advice if you are facing a potential judgment from a collection agency.
A collection agency may file a lawsuit against you after they have exhausted attempts to collect the debt through other means. They would typically serve you with a legal notice of the lawsuit, which would specify the debt owed and the court hearing date. It's important to respond to any legal notices promptly and seek legal advice.
First you call the collection agency and tell them this is in dispute . Then get some legal advice. If you qualify for Legal Aid , go there. Even if you don't qualify, they have pamphlets for your State's Landlord/ Tenant Laws.
Yes, a collections law firm, is still defined under the FDCPA as a collector. They are required to follow the same regulations that apply to a regular collection agency.
You need to discuss it with whoever you co-signed a legal document with: mortgagee, landlord, lender, etc. If it's a loan, it usually must be paid off.You need to discuss it with whoever you co-signed a legal document with: mortgagee, landlord, lender, etc. If it's a loan, it usually must be paid off.You need to discuss it with whoever you co-signed a legal document with: mortgagee, landlord, lender, etc. If it's a loan, it usually must be paid off.You need to discuss it with whoever you co-signed a legal document with: mortgagee, landlord, lender, etc. If it's a loan, it usually must be paid off.
If the original creditor charged interest then the collection agency will continue to accrue interest at either your states legal rate or whatever you agreed to in the original contract until the debt is either paid or sold to another collection agency or placed with an attorneys firm for legal litigation.
Unless you have a specific repayment plan that the collection agency agreed to, there is no legal reason that cannot sue the cosigner.
No, as they are the legal agent of the original Creditor and the arrangements made with the collection agency are binding on the original Creditor.
Yes, they can collect from the parents or legal guardian.
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.
No, it is illegal for a collection agency to garnish or freeze your account for any reason. The only way your account can be garnishes is if you owe taxes or child support. If a collection agency threatens to do this, tell them that you are aware of the Credit Reporting Laws on this matter (there is legal ground for this matter).
sue them for "conversion".
Once a debt is handed over to a collection agency, it's typically out of the original creditor's hands. However, it may be possible to negotiate with the creditor to recall the debt from the collection agency, but this process can be challenging and may require convincing the creditor of your ability to repay the debt directly. It's advisable to communicate directly with both the creditor and the collection agency to explore your options and find a resolution.
Yes, the debt is a legal "thing" and can be sold on to other organizations for collection.