Represent a friend via Power of Attorney?

[Ready2Rock]

Can a person talk on behalf of another person, to a Collection Agency over the phone, if they have a notarized Power of Attorney?

 

I know only a lawyer can do such things in court, but can anyone with a POA deal on behalf of someone over the phone?

[ICANHASMUNY?]

not sure. best if you stay off the phone

 

what's the story.?

[Ready2Rock]

not sure. best if you stay off the phone

 

what's the story.?

 

Hey ICANHASMUNY,

 

I should have elaborated in my post, it is merely a hypothetical scenario.

 

I enjoy helping friends improve their credit, & get junk-debt buyers off their back.

 

Since I am familiar with the standard means of disputes/validation/whychat's methods, I was wondering if talking on the phone could be added to my arsenal (although I know it is generally frowned upon).

 

With my state's very favorable conversation recording laws, I believe I could make a CA violate the FDCPA multiple times in a 5 minute conversation. Not in the interest of suing them for the fines, but just enough to force their hand to delete the Collection. After all, even if I am unsuccessful on the phone, I always have the methods I have learned here on CB to fall back on.

 

So, again a total hypothetical... is this legal?

[PhoenixDown]

Many years ago I did it with several agencies without a power of attorney. They may have asked the person for permission to speak with me but I don't recall now.

 

I did a decent job in retrospect. Negotiated over 50% off the alleged debts and received written settlement letters to formalize the deal. I held all the cards and they were very willing to accommodate - it doesn't happen often.

 

In retrospect however I could have gotten my friend in trouble for taxes on the credited debts as I was t aware of such rules at the time -and- I didn't think to ask for a delete along with everything else.

 

So no matter how good you are it's best to stick with the letters which can be reviewed by your peers here.

[ICANHASMUNY?]

 

not sure. best if you stay off the phone

 

what's the story.?

 

Hey ICANHASMUNY,

 

I should have elaborated in my post, it is merely a hypothetical scenario.

 

I enjoy helping friends improve their credit, & get junk-debt buyers off their back.

 

Since I am familiar with the standard means of disputes/validation/whychat's methods, I was wondering if talking on the phone could be added to my arsenal (although I know it is generally frowned upon).

 

With my state's very favorable conversation recording laws, I believe I could make a CA violate the FDCPA multiple times in a 5 minute conversation. Not in the interest of suing them for the fines, but just enough to force their hand to delete the Collection. After all, even if I am unsuccessful on the phone, I always have the methods I have learned here on CB to fall back on.

 

So, again a total hypothetical... is this legal?

I wouldn't do it.

 

if you fail, your friends may no longer be your friends,

 

and you could have complaints filed about offering CRO services ( Credit repair Organization ) which generally requires a state license.

 

I would have them join CB and let them write their own letters and manage their own credit.

[CG in TX]

 

 

not sure. best if you stay off the phone

 

what's the story.?

 

Hey ICANHASMUNY,

 

I should have elaborated in my post, it is merely a hypothetical scenario.

 

I enjoy helping friends improve their credit, & get junk-debt buyers off their back.

 

Since I am familiar with the standard means of disputes/validation/whychat's methods, I was wondering if talking on the phone could be added to my arsenal (although I know it is generally frowned upon).

 

With my state's very favorable conversation recording laws, I believe I could make a CA violate the FDCPA multiple times in a 5 minute conversation. Not in the interest of suing them for the fines, but just enough to force their hand to delete the Collection. After all, even if I am unsuccessful on the phone, I always have the methods I have learned here on CB to fall back on.

 

So, again a total hypothetical... is this legal?

I wouldn't do it.

 

if you fail, your friends may no longer be your friends,

 

and you could have complaints filed about offering CRO services ( Credit repair Organization ) which generally requires a state license.

 

I would have them join CB and let them write their own letters and manage their own credit.

This...you really don't want to get dinged for violating the CROA, IMO.