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Can a Collection Agency Report to the Credit Bureau Without Notifying You?

Credit Corp

Can a collection agency report to a credit bureau without notifying you? The law: Collectors can’t threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or a poor credit rating unless they have the legal authority to do so and intend to do so. The answer might not be that simple.

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What Debt Collectors Can and Cannot Do in Indiana

Sawin & Shea

Convey a misleading sense of affiliation with or ownership of a credit bureau. Since debtors usually do not show up to court, these cases usually result in wage garnishment. Specifically, debt collectors may not: Provide the erroneous impression that they are a lawyer or a representative of the government. Unfairness.

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The Fair Debt Collection Practices Act

Collection Industry News

c) Falsely representing that they work for a credit bureau. h) They will seize, garnish, attach, or sell property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so. c) Falsely representing that they work for a credit bureau. b) Implying that you have committed a crime.