okayy Posted November 11, 2004 Report Share Posted November 11, 2004 Do a collector have to notify the consumer of a debt before they report it to the cra? I have a collection on my cr from 4 years ago thats $45 bucks. I had no idea i owed $45 bucks. (In Alabama) Link to comment Share on other sites More sharing options...
nativechild48 Posted November 11, 2004 Report Share Posted November 11, 2004 Check your state laws to see if the debt is SOL, since you did not say what state you are in and what type of debt. CA's do not abide by what they can and should do. Try: www.lawdog.com Link to comment Share on other sites More sharing options...
retmar Posted November 11, 2004 Report Share Posted November 11, 2004 As Nativechild stated, check your State's laws. What you want to find is a certain section that states the consumer must be notified in some way prior to or immediately after.A good example is California. Here, the reporting party must notify the consumer, in writing, within 30 days before or after they make a negative remark on a TL.If not, it is legal as it is a "tool" a CA uses to cause the consumer to cede and pay the debt. I have not read it yet, but, someone said the new FACTA has changed this, but, don't know what it actually says or if it would affect anything reported before it became law. Link to comment Share on other sites More sharing options...
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