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: a very valuable tool for REPORTING this company : and their fraudulent collection tatics.. : also check your credit report [one free] : at this - www.credit.equifax.com : to make sure they have [or have not entered here] : They did me - and have now added one more violation to the Federal Investigation by doing so - as I noted in this reponse to my Equifax report. : >> >> In process of instigating a FEDERAL Investigation into GULFSTATE Credit, : as in the past several months they have made OVER 57 phone calls to this : number requesting a person who does NOT and NEVER DID exist at this number - : Their procedures of pre-recorded calls. along with individually made : 'threatening' calls/ have been taped WITH documentation - ... << : : Myke : : : If this is an outside collection agency, then they : : are clearly violating the Fair Debt Collection : : Practices Act. : : "Third-party disclosures" (i.e. telling other people : : besides the debtor about the delinquency) are : : prohibited (the main exception being reporting the : : account to credit bureaus.) They are NOT allowed : : to tell the debtor's co-workers anything about the : : debt, or even tell them the reason for calling. : : They might be able to call the debtor's workplace : : to try to locate the debtor, but that is as far as : : it goes. : : Go to the "Credit Problems" section of this site, : : and read the "Collection Agency FAQ" article. : : <------The link is over there. : : Also read the Fair Debt Collection Practices Act, : : which that article links to. : : The next time these people call, directly state that : : you have read the FDCPA, that you know they have : : been violating it, and that you will be keeping : : records of all contacts (including any furthur : : violations), for a possible complaint to the : : Federal Trade Commission. : : Also directly tell them to never try to contact : : either of ou at work again. The issue of notifying : : the payroll department would ONLY be legitimate : : if they had a lawsuit judgement, and were ordering : : a wage garnishment. If they don't have that, then : : they don't have any reason to bother the employer. : : Also, they are prohibited from threatening any : : legal action which they don't intend to actually : : take (although these sound like the types of people : : who will still make bogus threats.) : : Good Luck.

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