Results 1 to 7 of 7
  1. #1

    Default 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

  2. #2
    Join Date
    Jul 2006
    Posts
    2,652

    Default Re: Discussion of Credit Card Debt with Third Parties, in Indiana


  3. #3
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default 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.

  4. #4

    Default 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

  5. #5
    Join Date
    Jul 2006
    Posts
    5,437

    Default 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

  6. #6

    Default 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?

  7. #7
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Discussion of Credit Card Debt with Third Parties, in Indiana

    You can put whatever you want in your letter.

    1. Sponsored Links
       

Similar Threads

  1. Credit / Debit Card Fraud: Mom Has Credit Card Debt in Son's Name, Found on His Credit Report
    By carmstr4 in forum Criminal Charges
    Replies: 1
    Last Post: 04-17-2011, 02:43 PM
  2. Credit Reports: Clearing Credit Card Debt from Credit Report
    By Frdtrtnfx4 in forum Personal Finance And Investment Law
    Replies: 2
    Last Post: 01-20-2011, 11:19 AM
  3. Banking: Credit Union Threatening Car Repossession Due to Credit Card Debt
    By americanwoman1 in forum Personal Finance And Investment Law
    Replies: 2
    Last Post: 12-13-2009, 07:31 PM
  4. Credit Reports: Ten-Year-Old Credit Card Debt Still Appearing On Credit Report
    By amandalynn79 in forum Personal Finance And Investment Law
    Replies: 5
    Last Post: 04-04-2007, 10:25 AM
  5. Debt Collectors: Being Sued for a credit card debt not on my Credit report
    By Miguel863 in forum Debts and Collections
    Replies: 7
    Last Post: 09-26-2005, 06:46 PM
 
 
Sponsored Links

Legal Help, Information and Resources