Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Hello Ron,My name isXXXXX a licensed attorney. Glad to try and help out.Sure sorry for the circumstances, truly. My heart goes out to you.I've seen this very scenario many times, I regret to say. Here's how this works. I'm pleased to say the it's impracticable for a foreign debt collector to report to our creditor reporting agencies. A creditor who wants to do so here is required to go through a rigorous application procedure, pay membership fees (not cheap), purchase special software (again, quite costly), and submit to an on-site inspection (meaning a literal on the ground inspection of their premises). It's just too expensive and involved. That's the good news.Here's the not so great news. Such a debt can still show up on your credit report. It happens with a foreign creditor retains a domestic (United States) collection agency (meaning one already holding a contract with the credit bureaus) to report. In that case, a foreign debt can indeed become part of your domestic credit history. Even if that does happen, however, our laws and not those of the originating foreign country still govern your rights. More specifically, I'm referring to the Fair Credit Reporting Act, codified at 15 U.S.C. § 1681 et seq. and the Fair Debt Collection Practices Act, codified as 15 U.S.C. §§ 1692 –1692p.If you have a follow-up question or need clarification, please just say the word by using "reply" to reach me.I truly hope all works out for you.Take care,Ben, J.D.
Thanks. The car was rented in Holland the car rental company is in Germany and the debt collection agency is in Germany. I have a follow up question. Should I continue to press Citibank the credit card issuer to settle this claim since their representatives provided me misinformation when I rented the car. At the car rental counter I asked the car rental agent to talk to Citi at my cost to get assurance I had coverage and they confirmed it. When I pursued this claim last year Citi asked me to provide the exact time of the phone call and I gave it to them. No further action from them. Ron
Hope that helps some more and that all goes smoothly!
So far the credit card company has just referred me to their insurance provider who has reiterated the conditions of the insurance. I involved the Citibank manager since I am a Citigold customer and all he could do was to get someone to call me who asked for the time and date of the phone call from the airport counter. So my question is who should I send a letter to, perhaps the credit card company, the bank and also their insurance carrier who denied the claim? Ron
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).