I've heard that the law prohibits debt collectors from threatening suit and from disclosing personal information to others. While housesitting, I hear an incoming call as it's recorded on friend's answering machine. Here's thrust of the call: This message is for Ms. X this is James Morrel A legal docket will be litigated in T'ville District Court Legal Docket # XXX regarding an unpaid SXXRS MXXXXR-CXXD call back immediately to 800-982-0484.
1) Neither my friend (Ms. X) nor I have ever communicated to the caller or his company. I am not related to Ms. X; not by blood, not by marriage, not ever.
2) T'ville is a small municipality and has only a City Court and a County Magistrate Court. T'ville is not name of County nor is it a County Seat.
3) T'ville is in the County of FX where the City of FX is also the County Seat of FX.
4) The alleged Legal Docket # XXX bears absolutely no resemblance to our courts' typical docket number format/sequencing; it is similar to a M/C account #.
5) The caller ID read Williamsville NY 716-650-6240 I traced both it and the message's return callback # to NAFS:
National Action Financial Services, Inc.
165 Lawrence Bell Drive Ste. 100
Williamsville NY 14221
A. I interpret the call as threatening law suit; I believe any reasonable person would agree.
B. Has this collection agency (NAFS) violated the law by threatening lawsuit? If so, which code & section?
C. I also interpret this call as a collection agency disclosing personal information to an unrelated third party that Ms. X is being sued for an unpaid M/C; I believe any reasonable person would agree.
D. Has this collection agency (NAFS) violated the law by such disclosure? If so, which code & section?
Pee Dee Region, South Carolina