Credit Card Center Advertiser Disclosure†
09-11-2013 12:56 PM
Are the CAs selling my information? I am in the process of repairing and rebuilding. I got a phone call today from a CA I did not contact. Why are they calling me all of a sudden? And how did they get my work number? Are the CAs exchanging my information now that I have made contact? This particular CA (Dynamic Recovery Solutions) has a debt from 2007. They left a message and I did not return the call.
I plan to DV and also send a C&D.
09-11-2013 10:06 PM
There are several skip trace methods the CAs use to find information about you, and I'm sure they share these somehow.
You say you are sending a DV, why would you send a C&D at the same time. That just keeps them from contacting you, the debt will remain and stay on your CR.
09-12-2013 05:47 AM
09-12-2013 06:40 AM
The DV would be timely so it would bar them from collection activity until they respond to the DV, so they couldn't call your work. A C&D would prevent them from contacting you at all, if it was in SOL they would probably go straight for a judgement.
09-12-2013 07:17 AM
09-12-2013 09:00 AM
The next time they call, tell them that this is a place of business (if they are calling you at work) and to stop calling this number. I believe legally, they have to stop calling. The FDCPA code, 15 U.S.C ss, 1692b-c tells us that once you tell a creditor that your employer does not allow calls concerning these things coming into the workplace, they must adhere and not call again.
09-12-2013 09:11 AM
Thank you very much! Very useful information. Much appreciated!
09-13-2013 10:28 PM
I believe that the request has to be in writing. I would send CMRR.