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Hello, Im researching your anser now.
Can you tell me a little more about the situation? Was it on the phone? In the store?
It was a message left on my answering machine. I was busy with a customer and didn't answer the phone since I didn't recognize the number. They said how much I owed and to who. Of course the customer heard everything since we were a foot from the machine. I went in the local store today to pay them the balance, and they wouldn't take it and said I have to get ahold of the head office.
The Fair Debt Collection Practices Act offers a number of protections to consumers from improper acts of debt collectors. Two of the most important FDCPA prohibitions include:
There is no clear answer for you right now. The answering machine issue is being litigated in court as we chat.
Different courts have had different rulings.
This link will provide you with a current break down of the cases in federal court.
Regardles, I think you still have an issue that should be addressed. If I were you, I would file a complaint.
Here is a link to the FTC where you can file a formal complaint against the collection agency. Save the answering machine mesage if you can, it will help alot.
Thank you and I will complain to someone for sure.