ExpertLaw.com Forums

Discussion of Credit Card Debt with Third Parties, in Indiana

Printable View

  • 02-07-2007, 12:31 PM
    autransin
    Discussion of Credit Card Debt with Third Parties, in Indiana
    Hi,
    Need some help. Does a CC company or a Law firm have the right to discuss a debt collection with a person who is not named and the account? This just happened and i feel mad that they would discuess my personal info with someone else. Any help would be great.

    Thanks,
    Bill
  • 02-07-2007, 02:24 PM
    Happy Trails
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    FAIR DEBT COLLECTION
  • 02-07-2007, 04:08 PM
    aaron
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    The key portion:
    Quote:

    Quoting May a Debt Collector Contact Any Other Person Concerning Your Debt?
    A debt collector may contact a person other than the debtor only to discover or verify the debtor's location. The collector must:
    • identify himself, but he must identify his employer only if expressly requested to do so;
    • not reveal the consumer's indebtedness to anyone other than the debtor or his/her attorney;
    • not use a post card or in any way reveal debt collection activity.

    The collection agency may contact any person besides yourself about your case only once. If a collection agency bill collector calls a third person more than once, they should warn the collector not to call again or they will complain to the Federal Trade Commission.

    Note that in-house collection efforts are not ordinarily covered by the FDCPA.
  • 02-20-2007, 09:39 AM
    autransin
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    Well i got a letter from Phillips & Cohen stating they were retained by Chase bank to recover the debt. Turns out that the office that called said it was a law firm and its listed as a collection company. This only gets better i tired to call and just get names and address to submit a complaint and they would not give it up. So i called Chase to see if they could help. Talked to 5 people in 5 different departments and not one knew who set this up. Also the amount that was owed keeps changing. I have drawn up the validation letter.What else should i include? Can i put a copy or statement saying that i have filed a complaint with the FTC and Att. general?

    Thanks,
    Bill
  • 02-20-2007, 10:29 AM
    seniorjudge
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    Validation letter samples you can get at :
    www.creditinfocenter.com
    and
    www.creditboards.com
  • 02-20-2007, 10:40 AM
    autransin
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    thanks for the leads on another sample of that letter. I still would like to know if i can put in the letter that i have filed formal complaints?
  • 02-20-2007, 10:45 AM
    aaron
    Re: Discussion of Credit Card Debt with Third Parties, in Indiana
    You can put whatever you want in your letter.
All times are GMT -7. The time now is 11:24 PM.
Powered by vBulletin® Version 4.2.4
Copyright © 2023 vBulletin Solutions, Inc. All rights reserved.
Copyright © 2004 - 2018 ExpertLaw.com, All Rights Reserved