Does anyone know around credit angencies? is it legal for a credit agency to do a reverse directory

is it legal for a credit agency to do a reverse directory scrabble on your neighbors to have them deliver a message if the credit company doesn't disclose who they are or the humour of the call? and if they are not competent to do this whom would i report them too for harassment?

i would deem it is illegal - what is the term of the company?

It sounds forbidden, but now this credit companies can do so much to collect their money you won't believe it.

If you owe a company funds, and they are 1st party collections, correct they are aloud to contact relatives and neighbors to draw from in touch near you. If you believe this is violating the do debt collections practices act consequently you can contact their company about it. All within all if you owe money later they have every right to contact you by any mechanism especially if they don't have a number for you, or if are avoiding them.

As long as they aren't unfolding your business, it's not illegal.

And to the above poster, lawyer only protect when you are satisfying bankruptcy. The advocate didn't run the debt up you did.
Also if you can afford a lawyer, you should be capable of afford to pay your bills.

There are law, but once lawyers catch involved, if you owe money, you're only hurting yourself.

This is from the Federal Trade Commissions website...

May a debt collector contact anyone else about your debt?

If you enjoy an attorney, the debt collector must contact the attorney, rather than you. If you do not hold an attorney, a collector may contact other people, but solely to find out where you live, what your phone number is, and where on earth you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not communicate anyone other than you and your attorney that you owe money.

Here's the join...
http://www.ftc.gov/bcp/conline/pubs/cred...

Answers:
Saddler...my piousness yet another collection agent who hasn't read the FDCA!

For starters, here are a number of states that include the innovative creditor with the collection agencies, and they are regulated. But you are right, several don't. But it certainly does not product it ethical for them to contact neighbors to pass along messages. The solely intent should be to attempt to locate the address of the debtor, NOT to act as a third party. How do you ask that anyway..."Could you tell your neighbor to give the name me at this number regarding a subject I am barred to divulge to you?" Geez, if that neighbor was name Mrs. Krabitz your problem would be gossip adjectives over the neighborhood...and you would be looking at a lawsuit.

And you better read your lawbooks..if you, as a collection agent, are informed that the debtor is being represented by an attorney (doesn't product any differance if it's a BK or not..) you can not contact that debtor. All further communications go through the attorney.

Actually per the Fair Debt Collection Practices Act(FDCPA) they are NOT allowed to discuss the basis they are calling to anybody except the person who owes the debt. So as long as they are not recitation the neighbors who they are or the reason they are calling it is decriminalized.

Now, if they continue to christen the neighbors it could be considered harassment. The intertwine below is from the FTC and tells you what and what creditors can not do.

No, I could not find any regulation that allows them to do this. I provided the website of the FTC, this provides your rights as a consumer and where on earth to file a complaint. Hope it help!