Expert: Chris Ebert - 3/24/2010

Question
My daughter recently applied for a loan at a loan company where I have an active account.  She was denied the loan and informed that "other than your credit, your mother is a real problem and we don't know that you wouldn't fall into the same pattern".  Is that not 3rd party disclosure?  My daughter knew nothing and has nothing to do with my loan.  Also, I have repeatedly told these collectors to stop calling me at work and to please call my cell phone; they are still calling my job up to 3-4 (or more) times a day.

Answer
Sam,

I think this would be third party disclosure. You may want to contact a local consumer attorney at www.naca.net or calling me at 214-552-6647.

If a collector is calling you at work, let them know that your employer does not allow such calls. Keep a log of who called when. You may also want to follow up with a cease and desist letter sent via certified mail.

We offer a free call log for debt collectors here:
http://www.henleycreditlaw.com/272/

A cease and desist letter can be found here:
http://www.henleycreditlaw.com/266/

Chris Ebert
http://www.henleycreditlaw.com