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Question
I just got a phone call from a collection agency/Law Office asking for my 26 year old daughter who moved from here in Mass to NH in 9/98. This agency (from NY) has called several times before (even though I have asked them to stop calling) but this time the collector divulged that he was calling about a debt owed on a bank card, named the bank and stated that it was urgent that she call him to stop a judgment being filed against her. As far as I can determine they have violated FDCPA. Can you tell me if there are any circumstances under which they can divulge this information to a third party ?
Thank you
There are NO circumstances that allows them to divulge information to a third party If you can catch them on tape violating the FDCPA your daughter could probably sue them or file a complaint with the FTC or state Attorney General. You need to be able to prove they broke the law so if you have other witnesses to this that may be sufficient.
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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