How debt collector find someone who don't have social security number?

by Tomm

Hi, I'm an international student. Two years ago, I got sick and went to a hospital then the hospital charged me about $4,000. I couldn't afford to pay for it. After several months past, a collection agency contact me to pay for the debt. But, still I couldn't pay.. I know I should pay. My question is that I don't have a social security number. And I moved out the place, since then I haven't gotten any contact from the collect agency. Is it possible that the agency will find me without social security number?

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Apr 07, 2010
Can a debt collector find me when I don't have a Social Security number?
by: Mary

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

Debt collectors have many ways of finding a consumer they are trying to collect money from. For example, they can obtain useful information from a consumer's credit history and are legally entitled to contact a consumer's friends or relatives to find out how to locate him or her. Also, all us in the normal course of our lives these days leave data trails and debt collectors can use that information to track down creditors. So, although the collection agency has not contacted you since your move, you have no guarantee that it will not find you eventually.

Rather than wondering when (if) the agency will find you and having the amount of the debt that you owe grow meanwhile because of interest, consider contacting the agency to try to settle your debt for less than the full amount. When you do, you don't have to give the agency your new address.

If you are interested in learning more about how to settle a debt, including what to do and not do during your negotiations and tips for negotiating, I suggest that you purchase a copy of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights here at this web site.

At a minimum, I would recommend you read the first chapter of Debt Collection Answers online for free.

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