Also it will list the names of people or companies that have requested your file within the last six months (two years if the information was given to an employer or potential employer).
Upon receiving the file, go over all the information to see if everything is accurate.
Can a collection agency obtain information on my whereabouts from government records, such as Social Security records or my tax returns?
They cannot call your friends, your neighbors, or the people you work with and reveal your financial situation.
More than three million consumers annually receive financial counseling and education from NFCC Member Agencies in person, over the phone, or online.
To locate an NFCC Member Agency in your area call 800-388-2227. Needham, MA 02492-0009 Debtors Anonymous is a 12 step spiritual self-help fellowship, modeled upon Alcoholics Anonymous.
For information about the DA program and groups in your area, contact the General Service Office, 781-453-2743 (all calls are confidential) or I have received so many letters from people who have been denied lower interest rate cards and want to know what is the next step.
Credit card companies, banks, mortgage lenders, credit many others buy information about you through credit bureaus.
What you should do is write a letter telling the collection agency to stay away from you, to leave you alone, and to cease all communications with you.
In this letter, inform the collection agency that under provision 15 of the U. Code, section 1692c, this letter constitutes your formal notice to stop all future communications with you except for the reasons specifically set forth in the federal law. If you can prove continued harassment, the collection agency is open to a lawsuit - one you could win if you have the proper documentation or proof. Include in your letter as many details as possible.
It will also state who is paying the account - whether it is you, a collection agency, or another type of service like the Consumer Credit Counseling Service.