In regards to collectors threatening to deny credit to a friend of a debtor from which they are collecting a debt, spelled out in the Fair Debt Collection Practices Act:
The Fair Debt Collection Practices Act was written in 1978 and prohibits abusive, deceptive and unfair debt collection practices of debt collectors.
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ACCORDING TO THE FDCPA A DEBT COLLECTOR:
• Cannot harass, oppress or abuse any person
• May not use threats of violence, threaten to harm your reputation, use obscene language, make repeated calls to annoy, telephone anyone without identifying themselves
• Cannot advertise your debt
• Cannot give false information about you to anyone, send you anything that looks like an official government or court document, nor use a false name
• Cannot make false statements about themselves such as implying he/she represents the U.S. Government, or is attorney, or that you have committed a crime, or that legal action is being brought against you when no such action has been taken
If however, this story is legitimate, the aspect that affects a person's credit worthiness and credit score is called, "character". This aspect generally concerns a person's payment history, including late and skipped payments. The collector(s) are making the assumption that the friend is guilty by association. This is way too big of a leap as people are friends for a variety of reasons, many of which never include a conversation about their debts. It is also common for people to have facebook friends they've never met in real life. This actually is a law suit waiting to happen and that may not be a risk that a debt collector would take.
THIS INFORMATION IS A SERVICE OF:
Consumer Credit Counseling Service of Greater San Antonio
6851 Citizens Parkway, San Antonio, TX 78229
www.cccssa.org
A 501(c)(3) nonprofit financial counseling agency - where people matter
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