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A question as to collection tactics...

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B

braci

Guest
MO / IL

I received a call at home from a company that would not ID themselves, asking about my sister. Wife took the call. I returned the call. Asked the company name, and they gave it. I asked what their business was. Said that they were involved in a number of enterprises.

I asked how having my sister's name had led to me. Was told that I had been put on an application as a reference. I asked for what. She said that she could not tell me. This went on and on...she asked that I forward the number to my sister...I said not until I knew what it was regarding. She became condescending...said a complaint had been lodged against my sister...but federal privacy laws prohibited her from telling me what they were. I hung up.

Called the supervisor, who had been appraised of my call. He told me that any concerned person would forward the number...regardless of content. That any "normal" person would do so. I dropped an "F" bomb on him and he hung up.

I did call my sister...he called them. Was a collection. She was told that they did not have me as a reference. She was asked if I could help her make a payment. She was then told that if she could not pay, that they would contact my parents, and, ruin their credit. VERY rude.

Understanding that my sister is ultimately responsible for the situation, is the involvement or threat of involvement and credit action agains me or my parents a legal tactic???
 


Ladynred

Senior Member
Absolutely NOT ! They cannot touch your credit nor your parents and once they have her contact info, they should NOT be calling anyone BUT her. Calling neighbors and relatives to harrass or embarrass once they have contact info is a violation of the FDCPA. Making threats is also illegal. You should go to www.ftc.gov and read the Fair Debt Collections Practices Act, all 3rd party debt collectors are bound by this law. You'll find it under Consumer, then under Credit, scroll down the list, the Act is about 2/3 of the way down.
 

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