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|Subject: Re: Hayseed Discovers Sticker Shock||Date: 10/31/2013 10:11 PM|
|Author: CCinOC||Number: 703472 of 795238|
Parents, friends, etc ALL get called in order to "reach" the debtor.
In no event can a creditor call your parents, friends, etc. UNLESS the creditor has succeeded in obtaining a judgment. The creditor can't call you if you tell them in writing not to.
Fair Debt Collection Practices Act
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to