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Expert: Creditwrench - 5/22/2008


Question
QUESTION: What is the law governing a collection agency disclosing debt information to a 3rd party without the permission of the debtor? I had one (Creditors Interchange) contact my Grandparents, and tell them if it wasn't taken care of immediately, they would be taking me to court. (So they paid it) It was $7800 that was leftover from a car I voluntarily turned in as I could no longer afford it. I have no problem paying the money, but I am rather upset that they told my Grandparents about it, and suckered them in to paying it.

ANSWER: Fdcpa says they can't do that and you can sue them for it and make them return the money to your grandparents but only if you are willing to take them to federal court to get the job done. You so might make them pay you money on top of that.

If you aren't willing to learn how to do that then you might as well get busy making payments to your grandparents.

Bill Bauer
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---------- FOLLOW-UP ----------

QUESTION: So are you saying I should find a lawyer, or do this myself?

Answer
Finding a lawyer qualified to do this for you will be almost impossible.

There are a few good lawyers around the country but they are few and very far between.

If you live in Orange county California you might get Hyde & Swiegart or if you can find a NACA attorney in your area most of them are good but other than that you will probably have to do it yourself.

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Creditwrench

Expertise

Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.

Experience

I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.

Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.

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