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Can a debt collector physically show up to your home to collect on a home equity mortgage?
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Can a debt collector physically show up to your home to collect on a home equity mortgage?
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No, a debt collector cannot show up physically to your home to try to collect on a home equity mortgage. A debt collector is someone who has bought your loan at a discount and will try to get the full amount from you to make a profit. Once the loan is in their possession, they should contact you via phone first to inform you of what has occurred. Then a mail correspondence should be sent to you in a timely manner giving you details of how much you owe, from which creditor this loan originated, and the terms to pay off this debt. At no time would it be allowed or professional for a debt collector to suddenly appear at your doorstep.
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Posted by Jason Tong on 09 Jul 2010
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