I don't think it was the credit card debt collector's place or position to tell my former foster mom how much debt I owe. I'm a grown woman with a college degree, & the foster mom has nothing to do with my finances. & then she used it against me & threw it in my face & made me feel bad. I fell into debt as a result of Hurricane Katrina & had trouble getting out, ever since. & then, the foster mom tried to tell me I need to learn how to manage my money. I already do. I just have an unfortunate situation that I'm dealing with right now.
2007-06-01 21:29:58 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
If you are talking about the credit card company's internal collections, then it may be a violation of state laws (check with your attorney general/state consumer protection agency).
If you are talking about a collection agency, then no, it is a violation of the FDCPA, and probably your state debt collection laws (each state is different) to give unconsented 3rd party disclosure. If this is the case, file complaints with the BBB, the FTC, and your attorney general. naca.net (national association of consumer advocates) would be a good place to start looking for an attorney. Each violation of the FDCPA that you can prove is worth $1000....
2007-06-01 22:05:34 · answer #1 · answered by Anonymous · 0⤊ 0⤋
No, the credit debt collector has no right to discuss yours or anyone's debt to any person as this is a private contract between debtor and the credit company. And I guess your foster mom has as much to blame for for asking or for listening to what was not her business. I think it's best you inform the credit company of what the collector did so proper action will be taken, this to ensure the same thing will not happen to other debtors who, in good faith, believe in the secrecy of of the contract they signed.
2007-06-01 21:46:39 · answer #2 · answered by annabelle p 7 · 1⤊ 0⤋
I am sorry for your problems they sound bad. Unfortunately debt collectors are not bound by any law of confidentiality so he/she could in fact discuss your case with whoever they like. I know it's not nice and probably not very professional to do that, but people being people do a lot of things they shouldn't. Most debt collectors will not discuss your business with a third party without your permission. I would have a word with the debt collector and tell them that you did not think it was proper to discuss your finances with your mother. I hope everything starts to get better for you and you can start to rebuild your life after the terrible hurricane. Good luck.
2007-06-01 21:42:01 · answer #3 · answered by Dr Paul D 5 · 1⤊ 2⤋
I don't think they ethically should do that, but I don't think it was against the law. Those people are trained to be obnoxious and argue. They have no ethics when it comes to getting their money. They don't care who knows it and will report your credit to all the credit bureaus. Best to work out some kind of payment schedule with them, just so they don't harass you anymore. Don't worry about what your foster mom says so much. You have to deal with the consequences of not paying them. She doesn't. Good luck!
2007-06-01 21:43:53 · answer #4 · answered by Twisted Maggie 6 · 0⤊ 0⤋
Collectors get a % of what they collect, regardless of whom they get it from.
Some will get aggressive with family, especially parents or grandparents trying to scare them into paying for the child. Years ago they traumatized my elderly parents , telling them horror stories of what they would do to me if it wasn't paid.
After I found out, i told the parents to just hang up on them, then I called the collections agency . . .
I told the agent I was coming to smash his dialing fingers so he may want to train for other employment.
I told his supervisor that due to the employees tactics, and traumatizing my elderly parents, I would NOT be paying the bill EVER . . . and asked how well those stupid tactics were working now ?
Report the loser, to the authorities and his boss. (although the boss is probably of the same ilk)
2007-06-01 21:48:28 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I don't think it's legal to discuss it with anyone that is not on the account. You should check with your state's laws, though.
2007-06-01 21:38:35 · answer #6 · answered by First Lady 7 · 0⤊ 0⤋
no they are not allowed to discuss anything with anyone other than you.
2007-06-01 21:37:48 · answer #7 · answered by tljohnson6 3 · 1⤊ 0⤋