letter at work

What is the name of your state? mo

Is it legal for a creditor to send a bill to your place of employment. Isn't that considered 3rd party disclosure? Can a creditor refuse to to accept payments?

[Ladynred]

Are we talking about a 3rd party collection agency or an original creditor here ???

If its an OC, they can pretty much do whatever they want to, sadly enough.

If its a 3rd party CA, then there are definite restrictions on what and how they can send you letters, especially if its to a location other than your residence. Letters/envelopes cannot identify the communication as one from a debt collector.


"§ 804. Acquisition of location information [15 USC 1692b]

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt;"

While they are probably not addressing these letters to anyone but you, the fact that they have to go thru other parties to be delivered to you means the same restrictions of (5) apply. I've never received a single letter from a CA that had anything on the envelope besides an address - no company names unless that name is totally ambiguous.


Yes, they can refuse to accept payments if its not what is due per your agreement.