Is it legal for a collection agency to call my ex sister in law?
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M$4 Answers
It sounds like your dealing with a JDB (Junk Debt Buyer) from what you have stated.
If this is the case then you have some viable options for stuffing a cork into their piehole.
The best weapon against collection agencies is what is called Debt Validation.
The following link explains this tool very well as well as giving a multitute of links to good information which might let you shut the door on this outfit and go on about your life.
http://www.creditinfocenter.com/rebuild/debt_validation.shtml
As far as them contacting your ex SIL, well I'm no lawyer but I really don't see that as your problem to deal with.
If it were me I would politely tell her that the issue has been dealt with by you and if some penny chaser is repeatingly calling her about matters that are not her business and she wishes it to stop then she needs to deal with it because there really is nothing legally that your responsible for when it comes to harrassing phone calls made to her.
The FDCPA (THE FAIR DEBT COLLECTION PRACTICES ACT) is quite clear about these matters and its worth your time to research it.
Don't let some scumbag sitting in a mobile office down by the river put stress on you for a matter that most likely has been cleared from the originator of the debt books long ago with a hit to your credit rating.
Obviously this must of been an unsecured debt, otherwise the originator would of collected their security instead of selling the debt for a few cents to some JDB.
Good luck in resolving your issue and I hope this info helps you.
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M$I still get contacted for a debt the courts wrote off 20 years ago. That is blatantly illegal even, in any State in the USA but if you read the collection laws if I even TRY to contact them to complain or file against them they can use that contact to restart the clock on the debt. And I can't afford an attorney to make it stop either.
Talk about wrong. Damned if I do, damned if I don't.
People say lawyers are the scum of the earth but debt collectors are lower than that. If even one person responds defending debt collectors I only have one thing to say: piss off. It is not your place to judge those you collect debts from. If you want your money, sue for it and be done with it. Otherwise leave us alone.
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M$
I never put anyone else's info on my applications. While you may have been "handed" a contact sheet,
I used to work for a skip trace company, and if you had them on your contact sheet they will call everyone on there to get to you. Yes it is legal, you gave them the info.. now there is a line on harass ment. I hope everything gets taken care of and good luck!
For more information you can visit http://www.iwmc-group.com
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
I never put her on any type of contact sheet or anything else. I think the problem is that she used to live at the same address as me well over 10 years ago. She has since moved away, out of state and even remarried.
I never put anyone else's info on my applications. While you may have been "handed" a contact sheet,
