I just got a strange call at my office, I answered the phone and the person said I need to verify employment please - I said okay then they said MY name and I was startled and said who is calling? They said Mr. Brown" and I said yes she works here and then he said she did not put down her position on the app? and I said position and they hung up. I have been having serious credit issues (my car note is two months behind) does this sound like a credit collector or something more sinster like a Private Investigator?
2006-07-12 07:33:53 · 6 answers · asked by Kristine H 1 in Business & Finance ➔ Credit
That is the thing a bill collector would do. what they are doing is reparing a lawsuit to be filed against you and they want to make sure they have a way to collect. the will file suit and then if a jusgment is obtained they will start to garnish your wages.
I would call the collector and work out some type of payment plan REAL QUICK.
Be nice to them and tell them that you need to take care f this.
I am a bill collector and if there is anything I can do to help youlet me know!
2006-07-12 11:50:05 · answer #1 · answered by icsowesmemoney 3 · 0⤊ 0⤋
This is my opinion on your call:
Bill Collectors are allowed to ask location information of third parties. For example calling relative or neighbor to verify an address.
Keep in mind most creditors have been authorized by you to verify employment. In my opinion that includes a creditor's agent. Collection agents included.
In my opinion this was a bill collector who was attempting to verify employment without doing something illegal. For example letting your employer or a third party know about your confidential credit problems. That would be third party disclosure. I think the caller went a bit too far in saying something about an application.
If they knew you were likely to answer the phone then it may have been done to try an intimidate you.
Hanging up to avoid questions, may have indicated they just wanted to verify employment.
Knowing your position might give them an idea of how much money you currently make.
I would check with the Federal Trade Commission to see if any law was violated. However, in my opnion even if something was done wrong. it probably rests on some very fine points of the law. For example intent of the caller and any damages done.
Keep in mind in unless asked bill collector will not say the name of their company. When asked often they will use a non disclosing acronym. For example: ARS for a name that may mean Account Recovery Services. In short, staying within the law by answering the question without revealing the nature of their business.
2006-07-12 15:02:25 · answer #2 · answered by donsabe 3 · 0⤊ 0⤋
Sounds like a debt collector to me.
2006-07-12 14:35:11 · answer #3 · answered by weirina85 3 · 0⤊ 0⤋
it sounds like a debt collector to me. if you ask they are required to say who they are with and if you ask company name they will try to evade but by law they must tell you. you may want to call the place you ahve your car financed through and try to make some arrangements cause it sounds like you are about to either be sued or your car repo'd. good luck.
2006-07-12 14:38:43 · answer #4 · answered by brendagho 4 · 0⤊ 0⤋
Have them submit a form in writting for the information
2006-07-12 14:37:41 · answer #5 · answered by -------- 7 · 0⤊ 0⤋
I am more curious that they did not identify better who was callling you, and ask who they were speaking to.
2006-07-12 14:37:39 · answer #6 · answered by Jennifer W 4 · 0⤊ 0⤋