What should I do if contacted by a debt collection agency? 9 Answers as of March 22, 2011I had a debt collection agency send a letter to my father with information on my debt, not just looking for me, but all the information. And they have also left a voice mail on my assistant's phone with details that I owe a debt. I have never given them my father's information.
Law Offices of Michael J. Berger | Michael J. Berger
I suggest that you call the debt collection agency and ask them not to speak to anyone else but you with regards to the debt. If you really owe the debt and you are able to pay it in full or settle it with payments arrangements that work for you, you may want to do that. If you are not able to pay the debt and if you have other debts that you are not able to pay, you can call me to see if you are a good candidate for bankruptcy.
Answer Applies to: California
Mercado & Hartung, PLLC | Christopher J. Mercado
It is a violation of the FDCPA to share information of a debt you owe to a third party, except to a spouse or your attorney. You may have a claim against the collection agency for the third party disclosures. Further, it is also a violation to leave a message on a voicemail or answering machine disclosing the fact that a debt is owed. You can likely settle between $1000 and $5000 depending on the violation.
Answer Applies to: Washington
Rhonda R. Werner Schultz, PL | Rhonda R. Werner Schultz
You should check out the Federal Trade Commission website, consumer information about the Fair Debt Collection Practices Act and what is allowed at http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm. You probably have grounds to file a complaint against the creditor and may have a basis for a lawsuit against the creditor. You should consult with an attorney knowledgeable in this area of the law to see if a lawsuit would be appropriate.
Answer Applies to: Wisconsin
Ferguson & Ferguson | Randy W. Ferguson
They would have had to gotten it from some of your paper work or the internet.(facebook etc.) You can bankrupt the judgment or set up some type of payment plan. There might be a civil case depending on what they told father or co-worker.
Answer Applies to: Alabama