morgage
Terri T asked:


My morgage company has contacted my neighbor about my being late on my payments because they were not able to contact me.

IVAN

Comments

16 Responses to “Is it legal for a morgage company to contact your naighbors when you are behind on your payments?”

  1. ifthesouthwouldhavewon on December 10th, 2009 6:34 pm

    I smell a million dollar lawsuit. $$$$$$$

  2. todayillsee on December 12th, 2009 8:08 pm

    OMG yes it’s illegal. Privacy Act. You should contact an Attorney.

  3. J D on December 15th, 2009 9:31 am

    They can leave messages with anyone but can not say what company they are with or why they are calling. All they can leave is the employee’s name and the company phone number.

  4. groverraj on December 18th, 2009 6:55 am

    Nope. That is illegal due to privacy laws. You can sue them for that.

  5. Nightstalker1967 on December 18th, 2009 7:18 pm

    If you listed those neighbors as a secondary contact source then they may. Otherwise it is an invasion of privacy.

  6. Thegrip on December 20th, 2009 4:42 pm

    I can’t say for sure, but it’s a fair assumption that it’s illegal.

  7. Garacaius on December 21st, 2009 2:17 pm

    NO, it is not. You should contact an Attorney, you will have your house paid for and money left over.

  8. lou b on December 21st, 2009 3:23 pm

    No……but what do you do about it without contacting them? Which is exactly what they want !

  9. Brian I on December 24th, 2009 11:34 pm

    Yeah, not so much. Your neighbors have no reason to be informed, thus, your mortgage company is probably doing something illegally…. Go ahead and threaten to sue em

  10. Terri J on December 28th, 2009 1:53 am

    It depends. If they just asked your neighbor if you were still around and did he know how to reach you, that’s no big deal. It’s called skip tracing, and it’s done all the time to locate people.

    But, if he actually told your neighbor that you had a credit problem (did he, or did you???), then that is illegal. Check out the FTC web site at ftc.gov.

  11. lucee on December 30th, 2009 1:31 am

    Did you put down your neighbor as a person to contact in emergency? If so, that’s why they did it. That’s still violation of privacy. All they can legally do is ask the neighbor to have you get in touch with them. Discussing your personal financial affairs without your permission leaves them wide open for a $$$$ lawsuit. Discuss this with a lawyer and watch them go into orbit to secure you as a client.

  12. Paul B on December 31st, 2009 6:47 pm

    Not if the Mortgage company was the actual lender and not a collection agent!

    But - If this Mortgage company is merely a collection agent for some other entity then it would be illegal under the Federal Fair Debt Practice Act of l997 and it could only advise your neighbors that they would like to contact you - without any reference whatever to any debt that you owed!

    Good Luck!

  13. ♥ Ňatasha ♥ on January 2nd, 2010 1:01 am

    It´s unfair and ilegal.

  14. peewee8090 on January 5th, 2010 2:15 am

    Seriously, contact a lawyer. The laws on privacy have really been beefed up in the last year or so & what they did was a BIG no-no. You have the potential to have a paid for house in the near future.

  15. piggrumpy@verizon.net on January 6th, 2010 5:23 pm

    Well I don’t know about just contacting them, BUT to tell your neighbors WHY, then this is ILLEGAL. HAVE they not heard of U.S. Mail. As in mailing you a notice or a certified return receipt. I’d go talk to a lawyer.

  16. shortstuff on January 8th, 2010 4:02 am

    Whatever happened to the Privacy Act? I don’t know how that would be legal, since your neighbors are NOT making your mortgage payments. Why wasn’t the mortgage company able to reach you? (just curious) Seek legal advice on that one to make sure.

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