2006-12-22 23:52:54 · 12 answers · asked by alpha2 1 in Politics & Government ➔ Law & Ethics
Just because it is not legal, does not mean that it isnt done- all the time!
2006-12-23 00:01:57 · answer #1 · answered by Anarchy99 7 · 0⤊ 0⤋
when you read the answer provided by RUSS..you will get the correct one.
In Canada, the only thing a "collector" can do, as an employee of a "collection agency" is this:
phone between the hours of 0700 and 2100 local time
they can phone many times, but not to the point of harassment. They are not allowed to phone you at work, only to phone your employer to ask if you work there....to confirm the employment, can't leave a message or anything. UNLESS they have a problem with a garnishee..then they can talk to the employer, and for a garnishee, they need judgement. They cannot disclose anything about you or the debt to anyone else, because of the "collections act" and also the "privacy act". They can't leave messages with neighbours, they can't call and tell a neighbour or relative or friend anything about the debt.
I know this because a collection agency went after me for unpaid debts of a company that I no longer worked for....since I signed the purchase orders. She went to the point of providing personal information to my new employer, and sent out forged and totally incorrect (proven to be forged and libelous) documents to my new employer...and I lost my job.
I have sued , and we go to court very soon....part of the case has been settled out of court with the employee who did this, the employer portion has not been settled yet.
All of this being said, just like RUSS said: just because it ain't legal....doesn't mean it's not being done ALL the time. Collectors are sometimes very over-zealous and aggressive in what they do...just as in my case...going after ME for a debt that is NOT mine.
So, look up the appropriate laws in your state or country or whatever, and then write them a very strong letter to stop immediately, and also write a letter of complaint to the appropriate government agency looking after collection agencies in your area.
it IS legal for your CREDITOR to look at your credit...but NOT the collection agency, because you never gave authorization for them to do so. Check your contract that you signed with the creditor,,,,and see if it says that you authorize the creditor "and its assigns". That term means that if they assign or sell the debt to someone else, then that new party can look into your credit. If they have not sold or assigned the debt to the collection agency...then they can't look into your credit.
good LUCK !!!
2006-12-23 00:17:12 · answer #2 · answered by flyboss1107 3 · 0⤊ 0⤋
Yes, under some circumstances. When you sign up for a debt, whether that be a credit card, mortgage or car loan, the application most likely gave the creditor permission to check your creditworthiness on a regular basis. And my guess is the permission would be transferred to any collection agency. Look at your applications.
2006-12-22 23:56:47 · answer #3 · answered by Freak Boy 3 · 2⤊ 0⤋
No that doesn't sound legal. File a complain't against him and the collection company he works for.
PS. Its not suppose to be done without your permission. When you first initially sign up for something and then they bring you papers back to sign. Its ok for them to "run a credit check" but if you didn't sign for them to "run a credit check" Then they were not suppose to without your permission.
2006-12-22 23:55:39 · answer #4 · answered by Anonymous · 0⤊ 0⤋
credit restoration places misinform get your money.. agencies won't do it. If an get admission to is authentic, there is no longer something you're able to do to get it bumped off. paintings with customer credit counselling instead of the credit restoration place. you're turning out to be greater useful luck. you could touch the agencies you owe money your self and paintings the comparable manage them that the credit restoration business employer can. shop the credit restoration place's cost.
2016-10-18 22:04:46 · answer #5 · answered by janovich 4 · 0⤊ 0⤋
Yes it is, collection agencies have the same access to your credit report and can pull it for a legitimate business need.
2006-12-23 08:36:15 · answer #6 · answered by Wojtek T 1 · 0⤊ 0⤋
If I were you, I would seek help from licensed attorney who specializes in debtor's rights.
2006-12-23 00:01:02 · answer #7 · answered by Anonymous · 0⤊ 0⤋
It's pretty much legal for creditors to do everything except have you thrown in prison.
That will probably change if another republican gets elected president.
2006-12-22 23:58:58 · answer #8 · answered by summit_of_human_intellect 3 · 0⤊ 1⤋
yes, just about anybody can check your credit these days
2006-12-22 23:56:36 · answer #9 · answered by dreamnfox 2 · 2⤊ 0⤋
yes
2006-12-23 00:35:15 · answer #10 · answered by kissmybum 4 · 0⤊ 0⤋