Looking for a name of a collection agency?

Question

I'm being contacted by a collection agency.Everytime I ask them what agency they are...the refuse to tell me or the mumble it so I can't understand. Their number is 800-842-3419. Can anyone help? (Without pulling my credit report)

Answer 1

If they continue to refuse, tell them you'll see them in court, as they are breaking federal law.

Answer 2

They must disclose

1. Their name.

2. Name of company.

3. Why they are calling.

http://www.ftc.gov/bcp/edu/pubs/consumer...

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money you owe for the purchase of a car, for medical care, or for charge accounts.

The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under the Fair Debt Collection Practices Act:

Debt collectors may contact you only between 8 a.m. and 9 p.m.

Debt collectors may not contact you at work if they know your employer disapproves.

Debt collectors may not harass, oppress, or abuse you.

Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.

Debt collectors must identify themselves to you on the phone.

Debt collectors must stop contacting you if you ask them to do so in writing.

http://www.ftc.gov/bcp/edu/pubs/consumer...

Answer 3

Don't know. Go to a pay phone and call it.

Answer 4

There is no free way of looking up a phone number to find out who it belongs to without having to pay a fee.  I called them and tried to pull information from her, but she would not budge.  That tells me they are junk debt collectors.

Next time they call advise them of the following law:

15 U.S.C. § 1692d. Harassment or abuse

(6) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller's identity.

The above mentioned exception pertains to the following only

1692b. Acquisition of location information

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer

So in escence, the next time they call tell them of your rights, if they do not answer, report them to your states attorney generals office and file a complain citing the FDCPA regulation as referenced above.

Hope this answers your question

LEGAL DISCLAIMER:  The advice contained herein is for informational purposes only.  It is not to be construed as Legal Counsel nor Legal Advice.