I have one colletion agency that has pulled my credit report. I really felt violated. He started telling me about all the stuff on there .. and that I should be able to pay. Either I pay it off in the next 6 months or I'll be sent to court. Is what he is doing legal? Thanks!
Legally, no. Check out the below link
No, they need a judgement. Otherwise, they need your permission.
With a judgment and execution, the sheriff can. Without it no. But the collection agency can never legally access it. However, there are ways to do it illegally. Can the creditor do it... ? If you have a citizens acct and a debt with them, then yes, they can legally access whatever accounts you have with them. But a creditor can't just get access to you bank accounts. (I own a collection agency)
A collection agency legally require the amount of the debt, plus any other charges/penalties incurred in the collection of the debt.
If they've sold your case to a collection agency, they have been "paid" for your debt with the money the collection agency gave them for your case, so, no, they can't legally sue you - as far as I know.
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
No. You are not legally required to supply any information to a collection agent or agency.
No. A collection agency may not legally make any false claims. However, they may have obtained a judgement by default if you failed to answer a summons.
Yes. A hospital may use an outside agency to collect its debts. Most patients give the hospital permission to share information with a collection agency when they sign the "boilerplate" admission forms.
how to get rid of the money that you owe from collection agency without paying them and become good credit again
A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.
A collection agency in any state would need to notify you first.
Not as long as you can prove you paid it.
No, an unemployment agency can't check your medical records without permission. It is illegal for a hospital or doctors office to give out any information unless you have given written consent.
== == Collection agencies do not have the legal right to pull your credit report unless you gave them permission.
if a collection agency has not bought out my debt from the original company can the collection agency look up my credit report?
Not legally, no. Call them and demand they replace your funds.
Absolutely not. A collection agency can only demand payment of you. If you think the collection agency with which you're dealing is acting unethically, you should check out the Fair Debt Collection Act. You can file a formal complaint and the agency can be fined. * Legally they cannot "demand" anything, they can request, they can debate, they can negotiate, assuming the debtor wants to spend the time engaging in such, but they cannot "demand". The debtor always has the option of hanging up the phone and refusing to communicate with a collector or creditor, as there is no U.S. law that requires the debtor to do accept nor particpate in collection calls.
Not without a court order.
A collection agency can charge you fees on top of your original debt. They can charge you a fee for their collection.
The commercial collection agency is used in debt collection in the event a debtor fails to.
A collection agency can't access a credit report w/o the permission of the party involved. They may try to mislead someone into believing they are able to do so, and that is a violation of the FDCPA and should be reported as such.
Norwegian National Collection Agency was created in 1990.
If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.
if a collection agency isn't paid, the debt can be put on a persons credit report. The collection agency can also choose to garnish a persons paycheck.