Here are there five things you need to know about how debt collectors find you. People wonder, “How did these guys find me? I owed this debt fifteen years ago; ten years ago; five years ago; How did they find me? What did they do? How is it possible?” Well, It’s not that hard.
- Number 1: They use data mining; they use databases that collect information about consumers. That’s right, that information has places you’ve lived, places you’ve worked, your social security number, your telephone numbers, your cell number, basically almost any kind of information. Who you’re married to; who you’re not married to; any kind of information is accessible online to these guys for a fee.
- Number 2: They use internet searches. They just Google people, and frequently, people have all kinds of information about themselves online. You’re not going to be one of them, you’re going to be careful.
- Number 3: They use Face book. Imagine that. Like everybody else, they use Face book to find people and they’re successful in doing it. So when people try to friend you on Face book and you don’t know them, be careful, it may be a debt collector trying to befriend you.
- Number 4: Debt collectors may use records of your purchases; records of your credit; they pull credit reports on people and they find information about people through the credit reports; through the loans, the people apply for and obtain and loans of people apply for and don’t obtain.
- And finally, most egregiously, debt collectors use family members, neighbors, friends, to collect information about consumers. They call it ‘skip tracing’. They skip trace you. They call your neighbor, they call your friend, and all of a sudden you’re surrounded.
Now, the Fair Debt Collection Practices Act puts very strict limitations on what collectors can and cannot do. If they’ve violated your rights; if they’ve intimidated you; if they’ve disclosed information about you to third parties (your neighbors, friends relatives); if they are harassing you, you have rights. Don’t take it on the chin.
State Debt Collection Laws – Get Free Help Now
I want to talk to you today about state debt collection laws. 5 things you need to know about state debt collection laws.
- Thing number 1: Federal debt collection law applies to debt collectors. It is in place in every state in the country. So in every state in the country, if a debt collector is harassing you illegally, you may be able to sue them and recover money. State laws are in place in some states. Not in all states, but some states have laws that regulate debt collection practices by debt collectors and they regulate debt collection practices by creditors. So that’s thing number 1.
- Thing number 2: In many states, debt collection agencies are regulated. So, if you have an issue with the debt collection agency, in many states, you may be able to complain about the debt collection agencies conduct to the attorney general or the entity that licensed the debt collector and the first place.
- Thing number 3: In some states, you may have a double recovery. You may recover both under federal law and under state law for debt collection practices that are taking place illegally.
- Thing number 4: You may be able to recover money from the debt collector under state law and federal law. Under federal law, you’re limited to a thousand bucks. But some state laws allow you to recover more money, so keep in mind that issue.
- Number 5: If a debt collector or creditor is harassing you under state law, you give us a call. Let us take a look and figure out if you have a case. We may be able to help you. Here are the five things you need to know about state debt collection laws.