Doing Background Checks To Get Contact Info For Known Associates

by James
(Cleburne TX)

NCO is calling people we would never put down for a reference. The only conclusion we can come to is they are doing a background check and getting known associate numbers to attempt to collect. Is this legal?

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Mar 21, 2011
Contacting third parties about debts
by: DebtCollectionAnswers.com

James,

Under the federal Fair Debt Collection Practices Act, debt collectors may only contact third parties in order to locate the debtor. Once they have found the debtor, they can no longer contact other people. In addition, they are not supposed to reveal the debt or discuss the debt with a third party.

If the debt collector has been contacting other people about your debt after it already knows how to find you, or if it has discussed your debt with others, that may be illegal.

If it seems like the debt collector is breaking the law, talk with a consumer law attorney. Find out how to get free legal advice from an attorney here. There is no fee unless you recover, so it probably makes sense to talk with them if you think a debt collector may be breaking the law.

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