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Whom May A Creditor Contact About A Debt?

A creditor may contact any person to locate a debtor. However, in doing so, the creditor usually may not talk to anyone more than once or refer to the debt when talking to that person. If creditors use the mail to contact anyone, they may not send letters in envelopes identifying themselves as creditors. They also may not send a postcard. Once creditors know that a lawyer has been hired, they may communicate only with the lawyer.

Other Idaho Collections-Creditors Rights FAQs

Q: What Happens If The Debtor Says There's A Mistake In The Bill?
A: A phone call is not enough. Writing a note on the back part of the bill sent to the creditor is not enough. There is a form to help the debtor decide what to put in … More
Q: What Happens After The Debtor Sends The Letter?
A: The creditor has 30 days to act. The creditor must look into the claim. The creditor must either correct the mistake or explain why there is no mistake. The creditor … More
Q: What can a creditor do if a debtor won't pay?
A: Creditors are very likely to report the delinquencies to one or more credit bureaus, thus harming the credit record. In Idaho they may seek a judgment and court order … More
Q: Can A Creditor Be Stopped From Contacting The Debtor?
A: Yes. By notifying a creditor by mail not to contact the debtor. After that, the attempts at contact must stop. There are two exceptions to this. The creditor may say … More

Collections-Creditors Rights Sub-categories

Chex Systems
Collections
Creditor Remedies in Bankruptcy
Debt Collections
Enforcement of Judgments
Fair Credit Reporting Act
Fair Debt Collection Practices Act

Identity Theft
Judicial Remedies
Mortgage Foreclosure
Non-Judicial Remedies
Secured Transactions
Types of Creditors