creditor calling friends

[jkirk2]

What is the name of your state?SC
Can a creditor call your friends and inlaws and tell them that you are in default and that they are going to repos the car. I am only a few weeks over dues due to Christmas and etc.

 

[freddy48]

No they can't. Do they not have your phone number? The only reason I can think of why they would be calling friends and relatives (your references probably) was because they don't have a phone# or they have received returned mail, but if you are only 14 days behind that is very strange.

I would contact them immediately, see what is going on, get payment arrangements and also let them know of what happened. Did they get a name of the rep that called and what they said. The company should have notes of the call on their system.

 

[ihatearizona]

Calls any third part about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector.
FDCPA Section 805. (b) $1000.00 (Above courtesy of creditinfocenter).

When the collector called, were they just looking for you or, did they state that you owed money to the third-parties. If they mentioned ANYTHING about you owing a debt they are in violation of the above referenced law.

 

[DerbyGirl]

I think we are talking original creditor here...

 

[JETX]

I think we are talking original creditor here...

Good catch.... and you are correct. The ORIGINAL creditor has no obligation to abide by the FDCPA.