What Hidding Debtors Should Know About The Collection System-soojin

Legal These are some of the most general ways that a debt collector will seek to find a missing debtor. First things that collectors like to do is research the debtors file for any bold clues. This could be checking loan or rental application, checks or other payment records, references, letters, and anything that is on file in the creditors computer database. It may be obvious to some but other places to check on peoples whereabouts are with the operator for the telephone number and the address that they have on file may also be easily obtained. These collectors also will do things like, Send $1 to the postmaster of the district or town where he previously lived and ask for any forwarding address that may have been left. Or call phone numbers found in the debtor’s file that may unearth potential new leads and call the debtor’s former employers or speak to his co-workers of friends and ask them to have the debtors contact you. The bill collectors may have wanted references given on a rental application or credit check, especially relatives, friends, in-laws or ex-spouses. One of the first things creditors do is contact the local credit bureau and obtain a credit report. Other ways to contact you are through neighbors by using a reverse street address or telephone directory. Collectors could also obtain information from the motor vehicle bureau, veteran’s agencies, courthouse records, county recorder, or other public agencies. And, check the neighborhood schools, churches or synagogues. There is also secret data that can be found. If you ever had a phone, checking account, Automatic Teller Machine debit card, made applications for employment, or have had any type of consumer things with personal information as we all do, you may be in one of these databases. There is a "telephone bill deadbeat database". Unlike the credit deadbeats… the people who are late or have skipped out on a telephone bill somewhere. The official name is the National Consumer Telecommunications Data Exchange, Inc. (NCTDE). It was "legalized" by the U.S. Department of Justice (DOJ) in September 1997 and went into operation in March 1998. You didn’t know that the Department of Justice had legislative power, did you? The NCTDE (bureaucrats are fond of acronyms) is an information exchange service for its long distance carrier members. Each member reports the names of the people who failed to pay their long distance charges. Not only do they report you to NCTDE but to a third party set up by the NCTDE to maintain the database. At any given moment this may change but for now the third party is Equifia, one of the top three credit reporting agencies. There is also a database of bad check writers called Chex System, TeleCheck and SCAN these companies each maintain a database of bad check writers. Have you ever forgotten to post a check in your register and wack, you write another one and it clears before the first one and bang you are now in another deadbeat database. Once on this list, any subscribing merchant can refuse your check-writing privileges. In addition, you might not be able to go to the bank and open a checking account in your hometown bank. That’s right, banks are subscribing members too. If you are having problems in this area, the best resource we can find for actual help and results is the Cred Info Center online Or ChexSystems at checkhel or ScanAssist and if that does not work try TeleCheck. OK just when you thought it couldn’t get any worse, there is now a Debit Bureau and you won’t believe the information this database has on you. They maintain more vital information on you than your credit report. They know your (bank) account opening closing history, check writing history, check order history, frequency of debit and ATM card use, collection data and your personal demographics. For more information on the Debit Bureau visit: ..background-checks­systems../efunds debit report.htm The information they maintain on an individual’s credit score, along with his or her credit report, affects his or her ability to borrow money through financial institutions such as banks. About the Author: 相关的主题文章: