My morgage company has contacted my neighbor about my being late on my payments because they were not able to contact me.
2007-02-22 02:58:03 · 18 answers · asked by Terri T 1 in Politics & Government ➔ Law & Ethics
Not if the Mortgage company was the actual lender and not a collection agent!
But - If this Mortgage company is merely a collection agent for some other entity then it would be illegal under the Federal Fair Debt Practice Act of l997 and it could only advise your neighbors that they would like to contact you - without any reference whatever to any debt that you owed!
Good Luck!
2007-02-22 03:04:08 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Did you put down your neighbor as a person to contact in emergency? If so, that's why they did it. That's still violation of privacy. All they can legally do is ask the neighbor to have you get in touch with them. Discussing your personal financial affairs without your permission leaves them wide open for a $$$$ lawsuit. Discuss this with a lawyer and watch them go into orbit to secure you as a client.
2007-02-22 03:03:52 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Whatever happened to the Privacy Act? I don't know how that would be legal, since your neighbors are NOT making your mortgage payments. Why wasn't the mortgage company able to reach you? (just curious) Seek legal advice on that one to make sure.
2007-02-22 03:08:34 · answer #3 · answered by Shortstuff13 7 · 0⤊ 0⤋
Seriously, contact a lawyer. The laws on privacy have really been beefed up in the last year or so & what they did was a BIG no-no. You have the potential to have a paid for house in the near future.
2007-02-22 03:06:53 · answer #4 · answered by lovemy2babies 4 · 0⤊ 0⤋
It depends. If they just asked your neighbor if you were still around and did he know how to reach you, that's no big deal. It's called skip tracing, and it's done all the time to locate people.
But, if he actually told your neighbor that you had a credit problem (did he, or did you???), then that is illegal. Check out the FTC web site at ftc.gov.
2007-02-22 03:03:04 · answer #5 · answered by Terri J 7 · 0⤊ 0⤋
you is in simple terms no longer waiting to refinance at a extra smart cost via fact which you have paid late this finished year - it truly is shot your credit proper down the lavatory. consume ramen noodles thrice an afternoon. Cancel your cable, cellular telephone and internet subscriptions, pay your utilities late. in simple terms initiate paying your own loan ON TIME. in case you call your lender and clarify the region, they might grant to characteristic that charge you're in the back of directly to the top of your own loan so which you may technically be caught up. THEN in spite of you do, do no longer pay even an afternoon late on your own loan EVER back!
2016-12-14 03:08:09 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Well I don't know about just contacting them, BUT to tell your neighbors WHY, then this is ILLEGAL. HAVE they not heard of U.S. Mail. As in mailing you a notice or a certified return receipt. I'd go talk to a lawyer.
2007-02-22 03:08:10 · answer #7 · answered by GRUMPY 7 · 0⤊ 0⤋
Yeah, not so much. Your neighbors have no reason to be informed, thus, your mortgage company is probably doing something illegally.... Go ahead and threaten to sue em
2007-02-22 03:02:49 · answer #8 · answered by Brian I 3 · 0⤊ 0⤋
If you listed those neighbors as a secondary contact source then they may. Otherwise it is an invasion of privacy.
2007-02-22 03:01:42 · answer #9 · answered by Nightstalker1967 4 · 0⤊ 0⤋
OMG yes it's illegal. Privacy Act. You should contact an Attorney.
2007-02-22 03:00:36 · answer #10 · answered by todayillsee 3 · 0⤊ 0⤋