They may file hard inquirys on a consumers CR in
order to persue collection of ANY debt. Ouch, I
say. UNLESS it is done with the intent of doing
damage to a consumers CR. Where that line is
drawn, I don't yet know.

They may contact relations and associations of
the debtor to gain contact information BUT may
not mention that the debtor (or alleged debtor)
owes money or is in debt.

They can dunn via telephone. Can't speak for
other states, but in California they can call
"a reasonable number of times per day at
reasonable hours". That translates into 3 times
per day between the hours of 8am and 9pm according
to a few collections attorneys that I've spoken
with. As long as they don't break any titles
(threaten credit, etc.) they can get as creative
as they are able to persuade the debtor to pay.
It's perfectly legal to make statements like...
"This obligation will always follow you until you
pay it off, it's up to you, I'm just here to offer
you a way out for much less than the original
balance of your debt." I could go on with more
examples but, naw, the deal is they can bug you
until you send a C&D or, if you request validation
, they have to buzz off until they validate.

That's a whole other novel.

As long as circumstances permit, they may use
ANY of the "legal" technics that ANY CA uses to
persuade the debtor to make payment and/or
settlement of the debt. I suppose that from a
certain viewpoint, debt collection could be a
very interesting profession. How would YOU
persuade someone to pay an SOL debt without
risking legal entanglement?

As we both know, they'll step over the line
whenever they think they can get away with it.
That's illegal, but they do it knowing that
MOST people have no idea what to do, or what
their rights are.

So...

Ummm...

What was the question?

Hehe.

-=L=-

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