Legal Question in Consumer Law in Florida

Re: Suing a collection agency out of state

They have a right to report debts. You have a right to proof of the debt under the Fair Credit Debt Collection Practices Act. You might need an attorney to deal with the collection agency and the original creditor to try to resolve this and to get them to remove any negative references on your credit report. If you would like, please call my office for a consultation.

Re: Suing a collection agency out of state

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

A creditor is not required to notify you when reporting bad debt to a credit reporting service. Under the Fair Debt Collection Practices Act, you have the right to demand proof of the validity of the debt from the service. If the creditor cannot provide the proof within 30 days of your request, then you can demand that this information is removed from your history.

Scott R. Jay, Esq.