Sending someone to collections without notice

Can you legally send someone to collections without notice?

Comments for Sending someone to collections without notice

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Aug 02, 2010
notice on collections account
by: Gerri

If you are in default on a loan, there is generally no separate disclosure required before your account is sent to collections. Perhaps you can use the comments link below to tell us a little more about your situation so we can try to point you in the right direction.

Aug 02, 2010
Debt turned over to agency without notice
by: Mary

Thanks for submitting your debt collection question on our Q&A page.

The federal Fair Credit Reporting Act does not obligate a creditor to notify you that it's about to send your past due account to collections. However, some states do have laws requiring prior notification. To find out if your state has such a law, contact the consumer affairs office of your state attorney general or get in touch with a consumer law attorney in your area that handles debt collection cases.

Please share what happens with your situation in the comments section for this question. We are very interested in hearing how this turns out for you, and your experience can help others who are struggling with debt collectors.

Nov 08, 2010
same boat
by: Anonymous

Txu has done this to me. They said since it is a closed account they didn't have to notify me. I paid my last bill but had a previous balance. They said their policy is to automatically send account to collection after 60 days on closed accounts. No call, no email, no letter...this is just wrong. I had moved...they should have to make some attempt to contact me. Had I been sent a notice I would have paid it on the spot.

Nov 09, 2010
Collection account
by: Gerri

It sounds like TXU is a utility company. Is that right? We hear these kinds of complaints all the time and we agree with you - they should be required to notify you in advance before it goes to collections (and ruins your credit) or at least give you a reasonable number of days to pay before it reports as a collection account.

Please do make sure you file a complaint with the FTC and your state legislators. It would be great if a state passed legislation to require reasonable notice. It might set a positive precedent. Unfortunately, I don't see it likely to happen at the federal level right now.

Sep 13, 2011
Am i at fault or they are fraud
by: Anonymous

I was turned over to a collection agency for an online class i have previously taken.Without any notice a collection representative calls and tells me i have to pay 101.00 dollars every month to avoid garnishment,tax deductions,and etc.And the problem with this they also added another 2,000 dollars which comes a total of 5,000 dollars just for going to collections.What i do not understand is that my credit history is saying i owe 3,000 which is showing bad because it is under collections.My score has really suffered from this.My real concern is this was not a loan nor financial aid assistance. This was suppose to be a direct bill payed by my job. I sent them vouchers plenty of times ,but they failed to realize i was sending them money. I just stop the classes before i got further in debt.So what do i need to look further into. The school tells me since i am in collections they have nothing else to discuss with me. This is such an unnecessary debt for me.

Reply from

Quite honestly, we don't know the answer to your question. We are going to have to recommend you talk with a consumer law attorney. You can find one locally through or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. There is no fee unless you recover.

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