What information can you gather from a debt collector?
A debt collector can tell you and is required by the FTC to provide you in writing the name of the person or company you owe the money to, the amount of the debt, and what you can do if you think you do not owe the debt. If you need to know more information about debt's you owe,contact the FTC.
You work for a business which has a debt collector calling for an unpaid debt The collector keeps giving you information about the debt but you tell her you are an employee Is this legal?
Federal law, and most State laws forbid giving any information about a debt to anyone other than the debtor, or the debtors spouse in some States. The person who works with you could file a complaint with the FTC and possibly sue through a consumer rights attorney for violation of the Fair Debt Collection Practices Act. Of course, your testimony as to what information the debt collector gave you about them would be helpful.
Can a debt collector have the right to harass you at work?
A debt collector has no right to "harass" you at all. They do have the right (not withstanding some state's specific laws) to contact you at your place of employment in an attempt to collect the debt. You do have the right to request they do not call your place of employment and they have to abide by the law. Research the Fair Debt Collection Practices Act (FDCPA) for further information.
How do you get a debt collector to stop calling?
"If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter - even if you don't think you owe the debt, can't repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don't want the collector to contact you again, tell the collector - in writing…
What can you do if debt collector is overcharging your checking account on what you agreed?
If the debt collector is authorized to do a debit withdrawl then there is documentation that you signed authorizing same. If the documentation you signed with the debt collector does not match with the amount being withdrawled from your account, notify your bank immediatly of the fraudulent transactions. Take the documents to the bank. Do not prewarn the debt collector that you are doing this.
Can an Ohio debt collector garnish your spouses income in Michigan if the debt was originated in Michigan-Are they bound to Ohio law or Michigan law?
The rule is the debt collector is bound by the laws of the state the collection action is being taken in. If the debt collector is not licensed or authorized in that state, it cannot legally act to collect the debt. Check with your state agency that licenses debt collectors. The debt collector can retain a local attorney to collect the debt, of course, and that would be under Michigan Law.
If a debt collector puts a lien on your house does that mean your mortgage co forecloses your house?
Can a debt collector charge you more than your original debt in Texas?
Only if interest is provided for in the instrument creating the debt. If the creditor tries to charge interest to which a debtor did not agree, then that constitutes usury and can, in some instances, wipe out the debt altogether. In some states, the creditor may be entitled to collection costs. ==Additional Information== If the debt collector is collecting on a money judgment rendered by a court post judgment interest accrues and can considerably increase…
How do I respond to a false collection claim?
You can send a letter to requesting the collector to verfied the debt and the term is called foced verification. They must send your direct information regarding the debt in question with your signature. There is a lot of information regarding debt collection that you must understand in order to beat the system at it own game.
We had a vehicle repossessed then the company sold the debt to a debt collector from another state will they be able to collect?
They operate the same as if the debt collector was in your state. I would ask for a Debt Validation letter from the new debt collector. Many times when debt is sold the supporting documents are not sold with it. If they cannot produce the original documents you may be in a situation where they cannot sue you and have to remove the deragatory from your credit report. P.S. I am not a lawyer.
Does a debt collector have a right to contact a relative?
The FDCPA does not specifically prohibit a creditor or debt collector from contacting a relative of a debtor, a relative being defined as parents, siblings, etc. A creditor or collector may contact a relative to try to establish the whereabouts of the debtor but they cannot discuss the debtor's financial status. The relative who is contacted has no legal obligation to give out any information nor even to speak with the caller and has the…
How does probabilty help us gather information?
Probability can help gather information by identifying where the information is more likely to be found. In most situations, though, we gather information to help find probabilities! Probability can help gather information by identifying where the information is more likely to be found. In most situations, though, we gather information to help find probabilities! Probability can help gather information by identifying where the information is more likely to be found. In most situations, though, we…
Can eight calls in one day be considered harassment from a debt collector?
Yes, eight calls in a day from a debt collector can come under the act of harrassment. However, it would be to your best advantage to talk to the debt collector (you obviously owe money) and come to some resolution to pay your debt off and this way the calls will stop. When you owe a company money such as Visa they will put it in the hands of a Debt Collector and all they…