by Jason
(Seattle, wa)

I have a 4k debt from a credit card company, who sold it to a a debt collecter. My question is, I agreed to a certain amount each month and they have raised that amount by 50% without me consenting. Is this legal? They also chastised my girlfriend and talked in detail about my debt with her. I'm just wondering is this all legal? Also....are these companies allowed to add interest on your debt since the bank has sold it to them?

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Apr 30, 2010
by: Mary

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

It appears from what you have told me that the debt collector you are dealing with is violating the terms of the federal Fair Debt Collection Practices Act and possibly other laws as well. Certainly having conversations with your girl friend about the money you owe is a violation of that law. Also, based on what you have told me, I see no reason why the debt collector would be entitled to increase the amount that you are supposed to pay on your debt. I hope you got the terms of that agreement in writing.

I strongly suggest that you take a couple steps immediately:

Read the first chapter of Debt Collection Answers online for free so you have an understanding of your debt collection rights. You should also consider purchasing the complete book here at this web site.

You can talk with a consumer law attorney with experience in debt collection cases. Learn how to get low cost or FREE legal help with your debt collection problem here.

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.

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