Robert
Irvine,#2Consumer Comment
Fri, October 28, 2011
It is legal for a Collection Agency to call anyone who may have reasonable knowledge of where a debtor may be ONE time. This would include neighbors. Any more than that would be a violation of the Fair Debt Collection Practices Act(FDCPA). They are also not allowed to disclose the reason for the call, again if they do that is another violation of the FDCPA. So they can say "tell them to call me about a business matter", but can not say "Your neighbor is a deadbeat and owes a company money". So the first call was legal, the second call was not.
Evidently this company went to great lengths to find someone living close to the person and consulted the county recorder's office, ascertained the names of close neighbors and then looked up the respective telephone number
- Actually the "great lengths" was probably no more than 2-3 minutes on the Internet to find out all of that information. You may be very surprised about what information about you and your house is out there.
I simply refused.
- Good, because you are under no legal obligation to do that.
Then when he called back again today and attempted the same scenario, after getting his name and telephone number I informed him that I was going to report him to the authorities for making illegal and harrassing telephone calls.
- If they call back, let them know they are in violation of the FDCPA and if they call again you will take what ever legal remedies you can. This can include suing them for $1000 in Statutory Damages.