My question involves collection proceedings in the State of: Delaware
Hi Folks - While I'm a new member, I've read this forum extensively the past few weeks, and I'm in great appreciation for the knowledge here.
Here's a long story short - I have a small business, lost our biggest client, and I'm now in collections with a vendor for some unsecured debt which they have just hire a collection lawyer (keeping their name out of the public, for now) to collect from me.
I'm trying to setup a payment plan with this firm; however, unsuccessful to date. Now, when I go to their collection site (which I can make a payment via) I realize they have a HUGE (IMO) flaw in which I can find out ever company/person they are collecting money from. Note - I didn't hack their site, I basically used some basic computer knowledge to get all this data. As an example for context, prior to entering into the payment flow I must enter a case #, like 1234; however, if I enter 1235 I can see other folks personal information whom this agency must be attempting to collect.
Question to the audience here:
1) Is this company in a Fair Credit Act Violation since the data is easily exposed?
2) Is this company in any FTC violations since the data is easily exposed?
I plan on putting together a white paper showing my findings and using this to my advantage to work out a settlement, obviously having some legal ammo to support will greatly help my case.
All comments, questions, and feedback are welcome!