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pandora80

My significant other got email dunning for me?

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So today my other half calls me at work and says some law firm Kramer and Associates sent a debt collection email to their email address for me , spelling out exacly how much I supposedly owe, to whom ect. My basic question is , is that legal?

 

I have spent a few min looking into it. From what I am seeing so far , email dunning isnt illegal persay , however sending info about my alleged debt to a third party is. I am probably giving to much credit here, but considering the email address they sent it to , is my other halfs full name their would be an assumption that someone else is getting that email not me? Smh

 

 

Any ideas where I can find some clear info on the matter? I was hoping my state had some clear guidlines on this (Im in NC) but cannot find anything clearly addressing email contact.

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what is the debt for? Is it a payday loan or something else?

 

Yes it is illegal for them to do that so I would consult a local lawyer. If it is a payday loan which are known for doing that, then most lawyers won't take the case because they know they won't get any money from them.

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I had this exact same thing emailed to me from Kramer and associates and it was from an online payday loan I had back in 2009. They are calling me as well and I plan to ignore them. There is no way they can get any money out of me even with a judgement so im not worried but its very irritating how they try to scare you and prey on your fear.

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http://whychat.5u.com/

 

FDCPA violation just by contacting someone else other than you.

 

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#808

 

It's a stretch but you probably can get them on TCPA violations as well.

 

http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf

 

So today my other half calls me at work and says some law firm Kramer and Associates sent a debt collection email to their email address for me , spelling out exacly how much I supposedly owe, to whom ect. My basic question is , is that legal?

 

I have spent a few min looking into it. From what I am seeing so far , email dunning isnt illegal persay , however sending info about my alleged debt to a third party is. I am probably giving to much credit here, but considering the email address they sent it to , is my other halfs full name their would be an assumption that someone else is getting that email not me? Smh

 

 

Any ideas where I can find some clear info on the matter? I was hoping my state had some clear guidlines on this (Im in NC) but cannot find anything clearly addressing email contact.

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It might be worthwhile to pursue the FDCPA claim. If this is the Kramer & Associates in NJ, they are an established CA that can be sued, as opposed to an internet presence only. :wave:

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