01-24-2013 09:26 AM
I made a thread some days back in regards to a medical collection that occurred in another state. I checked the license registry in NYC and the agency is not listed. Doesn't this mean that they are not legally allowed to collect a debt from me?
What are my options? What can I do next?
01-24-2013 09:29 AM
01-24-2013 11:27 AM
01-24-2013 11:34 AM
Some state debt collection practices statutes directly address and require licensing, while others dont.
Contact your state agency that regulates the licensing of debt collectors. It's their job and expertise, and they can give sound advice on how to deal with any violation.
The FDCPA alone does not address licensing of debt collectors. That is reserved to the states.
01-24-2013 04:58 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO