Re: Creditor got ahold of x-wife and her sister!?

Got this link from another group. Hope it helps.



AND which has the=20
following on it;

=A7 805. Communication in connection with debt collection [15 USC=20
1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior=20
consent of the consumer given directly to the debt collector or the=20
express permission of a court of competent jurisdiction, a debt=20
collector may not communicate with a consumer in connection with the=20
collection of any debt --=20

(1) at any unusual time or place or a time or place known or which=20
should be known to be inconvenient to the consumer. In the absence=20
of knowledge of circumstances to the contrary, a debt collector=20
shall assume that the convenient time for communicating with a=20
consumer is after 8 o'clock antimeridian and before 9 o'clock=20
postmeridian, local time at the consumer's location;=20

(2) if the debt collector knows the consumer is represented by an=20
attorney with respect to such debt and has knowledge of, or can=20
readily ascertain, such attorney's name and address, unless the=20
attorney fails to respond within a reasonable period of time to a=20
communication from the debt collector or unless the attorney=20
consents to direct communication with the consumer; or=20

(3) at the consumer's place of employment if the debt collector=20
knows or has reason to know that the consumer's employer prohibits=20
the consumer from receiving such communication.=20

(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section=20
804, without the prior consent of the consumer given directly to the=20
debt collector, or the express permission of a court of competent=20
jurisdiction, or as reasonably necessary to effectuate a=20
postjudgment judicial remedy, a debt collector may not communicate,=20
in connection with the collection of any debt, with any person other=20
than a consumer, his attorney, a consumer reporting agency if=20
otherwise permitted by law, the creditor, the attorney of the=20
creditor, or the attorney of the debt collector.


Will they submit a sworn affidavit to your attorney about the call?
If yes, check with your attorney. You MAY be able to get enough out=20
of them to pay off the debt, reduce it, or otherwise resolve it.


George


--- In , "jobless" =20
wrote:
> I got a message from my x last night (been divorced for 7 years)=20
and=20
> said that XXXXXXXX called her AND her sister and told them I was=20
> a "skip". My X and especially her sister have nothing to do with=20
my=20
> debts. Can a creditor legally tell someone that about another=20
person?!
>=20
> How in the world did they find a way to contact her who lives in=20
> another state and her sister who I don't even know where she lives.
>=20
> She's also worried that it's going to affect her credit which to=20
me=20
> would be impossible since all my debt accured years after our=20
divorce.