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My sister had a payday loan turned over to a collection agency. They told her that she knowingly wrote a bad check and were getting her license suspended/revoked or something. Can they really do that or are they bluffing to get her to pay the money?

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4 Responses to “Can a Collection Agency Get Your Driver's License Suspended or Revoked?”

  1. Reena
    March 10, 2009 at 9:01 pm #

    They are bluffing.... only time your drivers license is in jeopardy is when you owe child support and are a dead beat parent.

    Next time they make any kind of threats ask them to put it in writing or else you will assume that they are bluffing and then hang up on them.

    Another trick that usually shuts them up right away.

    As soon as you realize who is on the phone announce to them that your attorney asked you to record any conversation between you and them.... then hold an old tape recorder close to the phone and loudly push the buttons so that it sounds as if you are turning on a recorder.... and sweetly announce that you are now ready to talk to them.

  2. Mr. Bear
    March 10, 2009 at 9:01 pm #

    I have had my share of debt collectors issuing idle threats and that is one that they have tried on me several times. The fact of the matter is that they are a private institution and a drivers license is the property of the state. They have no say in the state's decision to let your sister drive a motor vehicle. I wouldnt worry about it too much. But she does have the option of filing a complaint with the Better Business Bureau and also that of filing a complaint of harrassment with the company itself. Issuing threats like that may affect her ability to work and therefore, have adverse affect on her health.

  3. Anna E
    March 10, 2009 at 9:02 pm #

    No they can't and by law they are not allowed to call and threaten you with things they can't do. If she had actually written a bad check intending not to pay, they could have turned it over to the prosecuting attorney and had her arrested, they would not have turned it over to a collection agency. The next time they call, she needs to be sure and get the name of the agency and then call and report this activity.

  4. Nick W
    March 10, 2009 at 9:24 pm #

    NO! They're trying to pull a fast one and intimidate her into paying them.

    Collection agencies thrive on SCARE tactics! They don't have the power to do *anything* to you except possibly place a negative comment on your credit report.

    It is ILLEGAL for collection agencies to:
    -contact ANYONE except the person who owes the money.
    -contact your employer
    -contact your neighbors, family, friends, etc.

    You need to know your rights, or in this case, your sister needs to know her rights. She needs to get a copy of and read the Fair Debt Collection Practices Act.
    Also, she should contact a credit counselor who can negotiate with the loan agency for a fair and affordable debt repayment plan.

    Also, she needs to put her phone number/s on the National Do Not Call List:

    http://www.donotcall.gov/

    The text of the Fair Debt Collection Practices Act:

    http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

    Credit counselors:

    http://www.nfcc.org/

    She needs to read this post on what collection agencies CAN'T do:

    http://credit.about.com/od/debtcollection/tp/fdcpa-violations.htm

    And this post about credit and collections:

    http://credit.about.com/od/debtcollection/a/collectionlaw.htm

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