2007-03-21 08:31:14 · 10 answers · asked by zzzzzzzzzzzzzzzzzzzzzzz 1 in Business & Finance ➔ Credit
they have been 2 my house 2day, i was out, they have then been to my neighbours house and asked her if i still live there and then told her about my debt
2007-03-21 09:11:34 · update #1
The only person they can communicate with concerning your debt is your spouse.
They cannot call you at work after you have told them not to.
They can contact your relatives, friends, neighbors, etc. only once and that is to ask about your whereabouts.
Third party disclosure is illegal. You can sue them for $1,000 per violation.
2007-03-21 08:50:08 · answer #1 · answered by Ti 7 · 0⤊ 0⤋
Collectors will go as far as they can to intimidate you into paying for whatever they are collecting for. Most of the time, people have no idea of their rights or how they are protected (since most people don't go into collection for fun, or for pure sake of research)
Some people say that collectors have threatened with going after family members that are NOT on the accounts, threatened to taking vehicles that are still owned by the finance company (they can't do that, even if it's paid off) Even if you file for bankruptcy, they cannot take away a vehicle that you use for work.
Unless you tell then right out, using the words harass, threaten, abusive, in the conversations (which may be recorded) then they will change their forceful tone on you. Once you become informed, they sometimes will get upset since their tactics will not work on you.
Just inform yourself of your rights as a consumer, you'll see they will still try to scare you, but to no avail. Be brave and know your rights.
2007-03-21 08:45:12 · answer #2 · answered by grldragon101 4 · 0⤊ 0⤋
NO they maximum honestly are actually not! This contravenes the coaching risk-free practices Act and likewise, can sconstitute Harrasment under the risk-free practices of Harassment Act 1998. in case you sense which you fall under the above, bypass on your close by electorate propose Bureau who will ofer you unfastened criminal propose. The debt creditors can for my area face a good or in extreme cases, reformatory sentence.
2016-11-27 20:09:00 · answer #3 · answered by ? 4 · 0⤊ 0⤋
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2014-09-02 12:47:55 · answer #4 · answered by Anonymous · 0⤊ 0⤋
ABSOLUTELY NOT!!!!! This violates the Fair Debt Collection Practices act. You can report the creditor for doing this. Check out this site. It will give you lots of great info.
www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
2007-03-21 08:37:59 · answer #5 · answered by greekgirl 2 · 1⤊ 0⤋
NOT at all unless as previously stated, they are co-signors on the account. If it is JUST your account then they are not able to speak to anyone else about your personal information.
2007-03-21 08:47:02 · answer #6 · answered by Kris 3 · 0⤊ 0⤋
Not unless you have given them permission in writing. I have found useful information at www.genesiscreditgroup.com in regards to what you have asked.
2007-03-21 08:45:14 · answer #7 · answered by Pay No Taxes For Life 2 · 0⤊ 0⤋
No, not unless they are listed on the account. If they are not then it's illegal.
2007-03-21 08:39:41 · answer #8 · answered by Amber S 3 · 0⤊ 0⤋
Only if they are cosigners on the account otherwise it is illegal.
2007-03-21 08:37:40 · answer #9 · answered by Akbar B 6 · 0⤊ 0⤋
NO WAY !!
2007-03-21 08:43:50 · answer #10 · answered by Anonymous · 0⤊ 0⤋