Third-Party Authorization Check

Live. A spouse, parent, POA agent or debt settlement company is asking about an account. May you discuss it?

Tells your collectors who they may talk to about a debt. Spouses, parents of minors, guardians, executors and confirmed successors count as the consumer (FDCPA 1692c(d), Reg F 1006.6(a)); the consumer's attorney, credit bureaus, the creditor and attorneys are exceptions (1692c(b)); everyone else needs the consumer's prior consent given directly to you, or a court order (1006.6(d)). Catches consent that only the third party claims, authorizations forwarded by debt settlement or credit-repair companies, revoked or out-of-scope consent, a parent of an adult consumer, a former spouse, powers of attorney, payments offered by a third party (take the payment, disclose nothing), payer authorization for a third party's own account, and location-only contacts (1692b). Returns authorized, authorized with conditions, payment only, location only or not authorized, with the reason. Relationship types and facts only. Not legal advice.

Price: $0.001 per record after 1,000 free per month.

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