can a bill collector call your home and give personal credit information to your babysitter?
486678
SINCE THIS WAS 1ST PARTY COLLECTIONS THERE IS PRETTY MUCH NOTHING YOU CAN DO ABOUT IT.  THE FDCPA ONLY COVERS 3RD PARTY COLLECTIONS, AND THIS WOULD BE 1ST PARTY.\n\nTHERE ARE REALLY NO LAWS COVERING 1ST PARTY COLLECTIONS, SO, YOU ARE OUT OF LUCK.\n\nWHY WOULD THEY HAVE ASKED FOR THE TITLE TO THE CAR, THEY SHOULD ALREADY HAVE IT IF THEY WERE THE LIEN HOLDER ON THE CAR.  WAS IT A SIGNATURE LOAN OR DID YOU USE THE CAR AS COLLATERAL ON THE LOAN.  YOU SHOULD NOT HAVE HAD THE TITLE.  YOU DO REALIZE THAT EVEN THOUGH YOU GAVE THE CAR BACK IT IS STILL GOING TO SHOW AS A "VOLUNTARY REPOSSESSION" ON YOUR CREDIT.\n\nGOD LUCK!
160611
They can take you to court make you pay them and he you dont if and when you get a job they can take the money directly out of your paycheck... Its so much easier to call the collections people and make payment arrangments on your bill plus anything you want in life you have to have good credit so by letting a past due bill sit its really hurting your credit.
647512
Simply put, yes. HOWEVER, they must have a CURRENT business relationship with you. Because they are collecting an alleged debt they have permissible purpose to pull your credit without your permission. The law protects you from abuse which many collectors will do so monitor your reports closely. Abusive practice could be excessive pulls. The only purpose it serves to pull your credit excessively is to poison your report. If they are running your credit but not reporting they are checking to see if you have applied for new  credit or may have purchased new assets. Send them a debt validation letter immediately. If they fail to validate the debt and continue to run your credit it is considered continued collection activity which violates the Fair Credit Reporting Act. If they do not validate the debt then also follow up with a non permissible purpose letter that informs them that they failed to validate the debt. Therefore, they do not have permissible purpose to run your credit. They must remove those inquiries or they are in violation.
706849
As long as the creditor is listed on your bankruptcy, once you have a docket number, they are not to contact you at all. I just filed, and I have one creditor who hasn't been able to find me and since I filed all of a sudden has the guts to call my home, they are NOT suppose too.  They are free to come to the meeting of creditors. If you have forgotten this person and they are not listed, you need to contact the Bankruptcy court (or attorney, I did mine pro se) and add them to the list.  You don't want a discharge and then forget someone, then you credit will be worse, the one you forgot will be on there, credit won't be clean. Hope this helps, good luck to you, Bankruptcy is rough!
1155340
She probably used you as a reference when getting the account in the first place, which is how they got your number.  If you have the same last name, they may have done internet searches as well.  It's very common.\n\nDocument the times they call and you talk to them.  You can sue them for harrassment if they don't stop contacting you, particularly since you told them this is not your debt.
729866
Sometimes (and it's odd that it got attached to all three) pulling a credit report can pull up inaccurate information when there are that many similar factors.  For example, my father and I have the same first and last name (not middle), lived at the same address, same phone number.  When I applied for a mortgage, the lending company pulled up a lot of my father's information on my report!  I almost got turned down for a mortgage because according to my report, I already had one!  \n\nFile a dispute letter with all three agencies, not just a phone call.  The bills are clearly not yours and provide proof to the fact.  The credit bureaus will remove the bill from your report and request the company provide proof that it belongs to you.  The collection agency provides information and can not control the bureau's computers from pulling up their information on someone else's report (as long as the infor the collection agency has provided is correct).  Providing physical proof to the bureaus should be enough.  If, for some unknown reason it doesn't, you may have to go legal.
1000442
some websites have the option to bill your phone number, It all depends on there billing methods and your phone company
444268
Apply for one, you cant get one unless you tell the credit card companies you want one. And get your parents to be one of your references just in case they think you wont be able to pay the bill.
478100
no. the only thing the bill collectors can do is try to get their money from her estate if she owned anything of value- such as a house.
433829
Once you tell a bill collector to stop calling you they must you on a "Do-Not-Call" list. If they continue to call you just call the BBB (Better Business Bureau) and they should be able to help you out. Yeah I know I used to be a telemarketer.
658344
Yes, they can do something to you.  Kiss your A**!\n\nLOL!  \n\nMr. Collection Agent gets about 30% of the money they collect.   By paying the original creditor you just cheated them of their money.  Whether they get anything will depend on the agreement they have with the creditor. \n\nDon't sweat it, they can't touch you, they can't place anything on your credit report.  If they do, you have an excellent lawsuit against them, and you can win $1000.
215535
Depending on the state you live in, it is a legitimate summons.\n\nBy using an "alternate service", the process server/court officer can simply attach the summons to the front door of the home.  They can also give it to any adult at the address or by certified USPS.  \n\nBe advised that many times collection agents will use false summons to scare debtors into paying their bills, fearing large court costs, poor credit, and even jail time.  \n\nTherefore, make a call to the court clerk, and verify if it is legitimate.  If not, contact a lawyer immediately, as you have an excellent court case against the collection agency.  Fraud, falsification of court documents, and violation of Fair Credit Collection Act, just to name a few.\n\nGood luck.
60769
The best way I have found is to reason with the person.  Show them that by not paying their debt it reflects on their character and integrity with you and others.  There is no telling how many people you will tell about this incident.  We as collectors can be worse then a credit reporting agency.  If the person if not a friend then try the courts or reason with phone calls and again tell them how this affects their business, their character and their standing in the community.  don't be afraid to stand up about what is right.
673495
no, they are her responsibility prior to the age of eightenn. but from now on you need to pay any new ones or they will definitly affect your credit.
856209
YES!  And sorry to say, but you probably won't get your issue resolved.  They are always right and you are always wrong.  That's will all of the bill people you have to call.  Good luck to you!
524969
FDCPA (Fair Debt Collection Practices Act)\n§ 805.  Communication in connection with debt collection   [15 USC 1692c]\n(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- \n\n(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is AFTER 8 o'clock antimeridian and BEFORE 9 o'clock postmeridian, local time at the consumer's location;\n\n(c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer...\n\nNow with that it is important that you read the FDCPA and understand the law as well as any law your state may have regarding debt collection.\n\nSimply telling them on the phone not to call you will not cease the calls you need to put it in writing and mail it certified mail return receipt requested. \nIf they are calling before 8 am they are violating the law. You need to keep documentation of their phone calls and especially if they coninue to call after the receive your letter. Note: They are permitted to call you 1 time (after they receive the letter) to tell you what their intentions are regarding the account.\n\nIf they continue to violate the law you are entitled to seek civil liabilty against them for the violations. \n\nFDCPA § 813.  Civil liability  [15 USC 1692k] states:\n(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- \n\n(1) any actual damage sustained by such person as a result of such failure; \n\n(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000;\n\nThis is why it's important to document everything. You want to be able to establish willful noncompliance by the collector.
1007253
Under federal (and most state) laws, they cannot call you except Monday -Friday (Saturday in some states) between 8am and 7pm (the time varies a little bit, but never before 8 am or after 8 pm). They cannot call you on Sundays or Holidays, they cannot call your place of employement (or school), they cannot call your friends, relatives, coworkers, or boss (unless any of them were listed as references on a credit application). They cannot come to your home, your work, your school, nor are they allowed to contact you in person in anyway. They are only allowed to contact you by mail or phone. They cannot threaten you in anyway, cannot use vulgar/course/ obscene language, they cannot threaten to get you fired, kicked out of school, thrown in jail, take away your possessions, tell your friends/ relatives, force a relative to pay, or have you arrested. Also, you can tell them on the phone (some states require it in writing) to stop contacting you, and by law they have to. If they continue to contact you, they could be sued, and loose their business license. There are many laws(both federal and state) to protect consumers from over zealous collection agencies. Call your local better business bureau or consumer credit counseling agency for advice on how best to deal with the problem.\n\nAnother idea- if they keep bothering you, get a police style whistle or a hand held boat horn (you can get both at most sports supply stores, outdoor stores, Walmart, K-Mart, Target and Shop-Ko). Blow it into the phone every time they call. They will stop calling, believe me.