My mom told me that a creditor called her today and told her they were trying to reach me and that there would be legal action against me or legal action was pending against me since they counldn't contact me Is that legal? They only have my mom's number b/c I used it as a contact number on my application. But are they allowed to tell her that?
2006-09-12 05:14:29 · 11 answers · asked by bad a 1 in Business & Finance ➔ Credit
She's not on the loan just on the info part as a contact reference.
2006-09-12 05:15:24 · update #1
And no, I'm not 18...I'm 31. Live away from my parents, just wondering if that was legal regardles sif I'm default or not. Which I am but will rectify
2006-09-12 06:31:15 · update #2
yes they can.
2006-09-12 05:29:35 · answer #1 · answered by freedd 2 · 0⤊ 2⤋
They can call her but, they can only ask for you. They can not tell your mother what they are calling about or where they are calling from. All they can legally say is "It's concerning a private business matter." Anything other than that is concidered harrassment, I think.
Lots of creditors are faulty in the way they try to collect passed due bills and some just through in that "legal action" bull-sh*t to light a fire under your butt and scare you. If she was a co-signer, then they would have the right, but they can not harrass a reference and I find it weird that they even contacted a reference.
If you are under 18, then you couldn't have legally signed a contract. If you did however, and you are under 18, then you can dispute it because you are not a legal adult and the contract would be non-binding or void. You know the dresses that you buy for prom that say, "I am a special occasion dress. I can not be returned."? If you buy one of those dresses and you are under 18, you can return it because that statement is part of a contract and since you are not an adult, you are not binded to the contract. No lie. I learned this in business law my junior year of high school and took the $275 prom dress back.
2006-09-12 05:23:53 · answer #2 · answered by indigonipple 3 · 1⤊ 1⤋
No, it is not legal to discuss any matters re: your credit to anone besides the loan holder and a cosigner. However, people that are trying to collect money will do whatever it takes, even threaten legal action. I got myself into trouble with credit cards while I was self-supporting in college. Years later the creditor called my place of employment to tell them verbatem what was told to your mother. I was hot. I called the creditor and told them specifically that they did not have permission to call my place of work. The best bet is to contact the creditor, make arrangements to pay off your bill with affordable monthly payments and tell them that they do not have the permission to discuss your financial matters with anyone other than you. The more you run from them and dodge your calls, the worse things will get for you.
2006-09-12 05:36:49 · answer #3 · answered by lady K 2 · 0⤊ 0⤋
If she is on the reference sheet and you signed it, the reference in in effect a disclosure statement. Irregardless of your age, if you put someone down as a reference on a credit app, they can be contacted as you gave them permission to contact that person on the app..
Contact the creditor and make arrangements to pay your debt to them. It's that simple, pay they bill even $10 a pay period, if you arrange this with them, they will have no reason to call anyone even you.
2006-09-12 05:21:19 · answer #4 · answered by Anonymous · 0⤊ 1⤋
No. They are using illegal tactics and you can sue them. They can contact her and ask her where you live and such, and if she gives them that info, they can use it against you. But they are not allowed to say anything about your case. I would write them a letter of cease and desist as well as dispute the debt with them. Once you dispute the debt, they will not be able to report it to the CRA. They will, however, sell it to another debtor, and then you just repeat the process.
2006-09-12 06:27:30 · answer #5 · answered by Christian93 5 · 0⤊ 1⤋
They can't give her information about the debt, but YOU told them to use her as a means to contact you. If you don't want them to call her anymore, you have to contact them to let them know. When you do, they will tell you to pay up or they will sue you.
2006-09-12 07:58:52 · answer #6 · answered by STEVEN F 7 · 0⤊ 0⤋
NO! It's totally illegal so file a complaint aginst the dirt bags with the FTC!!!(Federal Trade Commission) Do it online for free!
2006-09-15 09:03:16 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Why are you surprised that they contacted her when she is your contact reference. If you supply them with her name and number then I think it would be reasonable for them to contact her. Escpecially if you are late or default on your payments and they can't get in contact with you. They have a right to get their money back.
2006-09-12 05:20:32 · answer #8 · answered by alynnemgb 5 · 0⤊ 1⤋
Depends on how old you are. If you are still under 18 then yes... otherwise, they should not have given your account information out to anyone including your parents. That is breaching privacy act information.
2006-09-12 05:20:32 · answer #9 · answered by peacemaker 3 · 1⤊ 1⤋
it really is unique, yet they are going to discover out finally. you'll initiate exhibiting finally so why disguise it? If it exceeded off already, you recognize your mothers and fathers do love you, so in spite of the actual undeniable reality that a gynecologist does not divulge such recommendations except you want them to, in basic terms be truthful & easy. I easily have a chum who went and had an abortion, questioning it develop into the right difficulty to do because of monetary causes & she did not prefer to disillusioned her mom rather. nicely, she waited & were given the money, and easily had the abortion. She had to have an grownup which includes her to signal. Her cousin did that, and her cousin were given her med insurance card, yet a letter got here to their abode in a while about some medical insurance information and her mom said it besides. also, she had to take those pills, and her sister, one three hundred and sixty 5 days older than her, discovered them in her bag in the destiny, and he or she develop into taken aback because she did not even recognize she develop into having sex on the time, and he or she develop into disillusioned because the girl did look like she develop into pregnant yet she denied it over & over, and acted like she had in basic terms all started gaining weight. Lies & deception under no circumstances artwork. everybody will finally settle for the actual reality even as someone is watching for. And certain, they are going to nonetheless love you in basic terms as a lot, and they are going to also love the toddler in basic terms as a lot. yet another chum of mine has a daughter who's 2 now. We in basic terms graduated intense college yet she continues to be 17 now bcuz her bday isn't till December. So, I recommend, a minimum of you're 17 now fairly of being pregnant at 15 like my chum. She also has a sister one three hundred and sixty 5 days older than her, and her sister is watching for at present! it really is now the second one grandchild being born into their relations, and guess what .. they have 3 extra sisters & 4 brothers, so the abode is already finished with childrens & childrens & their mothers and fathers, and they have monetary topics as well yet they take care of, and in the experience that they'd had abortions or in basic terms saved it to themselves, it don't have solved something .. the more youthful sister waited till she develop into 5 months to confess it to her mom, and it did not substitute something, except make her stay with worry for those months .. i recognize because as a chum, I said her sitting with a frown and had to be there for her.
2016-11-26 19:46:15 · answer #10 · answered by ? 4 · 0⤊ 0⤋
Not without your consent if you are a major
2006-09-12 05:19:43 · answer #11 · answered by A 4 · 0⤊ 1⤋