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Established Member
Posts: 32
Registered: ‎01-05-2013
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Collection agency not licensed in my state. Next steps?

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?

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Collection agency not licensed in my state. Next steps?

It is possible they are listed under a parent company.  Sometimes it is not as easy as just putting in their name. 

Established Member
Posts: 32
Registered: ‎01-05-2013
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Re: Collection agency not licensed in my state. Next steps?

Interesting.  How do I go about finding out whether this is the case?

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Collection agency not licensed in my state. Next steps?

Mega Contributor
Posts: 19,807
Registered: ‎03-19-2007
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Re: Collection agency not licensed in my state. Next steps?

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.

Established Member
Posts: 32
Registered: ‎01-05-2013
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Re: Collection agency not licensed in my state. Next steps?

Just got the agency.  Unfortunately I didn't get sound advice :smileysad: I am being bounced around and I'm starting to get very frustrated :smileyfrustrated:

Established Member
Posts: 32
Registered: ‎01-05-2013
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Re: Collection agency not licensed in my state. Next steps?

They are NOT licensed (as is required in NYC)

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Collection agency not licensed in my state. Next steps?

Established Member
Posts: 32
Registered: ‎01-05-2013
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Re: Collection agency not licensed in my state. Next steps?

Ok.  I plan on filing a complaint with both.  What do I do after that?  Do I send any letters?  Contact the OC (the hospital)?

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Collection agency not licensed in my state. Next steps?

Is the CA on your CR?

 

I would contact the OC and ask to pay it.

 

The CA not licensed only has to assign it to another who is.  Once it's paid they can't.

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