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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
http://www.creditinfocenter.com/wordpress/2008/08/06/can-collection-agencies-pull-your-credit-report/
What else can I help you with?
Can a collection agency take money from you without a court order?
No, they need a judgement. Otherwise, they need your permission.
Can a creditor or debt collection agency access your business bank accounts for debt collection?
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)
If the collection agency amount is more than the creditor amount which amount do you legally have to pay?
A collection agency legally require the amount of the debt, plus any other charges/penalties incurred in the collection of the debt.
Is it legal for a debt collection agency to discuss your debt with your landlord?
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.
How many times can a collection agency inquire on your credit report?
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
Can a debt collection agency legally identify themselves a 'collection agency' when placing inquiries on your credit report when the debt in question was charged off over a decade ago?
No.
Can you be sued by the original creditor if they have already sold your case to a collection agency?
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.
Can a collection agency falsley claim to have a judgment against you?
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.
Can hospitals give your billing information to a out side collection agency?
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 do you get rid of the money that you owe from collection agency without paying them and become good credit again?
how to get rid of the money that you owe from collection agency without paying them and become good credit again
If you already paid a debt can a collection agency legally continue to try to collect the debt?
Not as long as you can prove you paid it.
In Colorado does a collection agency have the authority to levy my bank account without notifying me first?
A collection agency in any state would need to notify you first.
