Who can a creditor contact regarding payment that is only days overdue?
Question Details: We own a subcontracting construction framing business. We recently hired a crane to fly trusses for a barn that a client was building right next to their home. The crane company requires a credit card at time of service, which we gave, but it was declined. The date of service was 6 days ago and today, the 8th, the crane company had been to our house but it was vacant (it's for sale). They then proceeded to go to the customer's home and ask them for my husband and tell them that our credit card was declined. The homeowner then called our general contractor, who we work for. Is that legal? I called to office to pay the bill but no one could take my payment.
If you legitimately owed the money at that time, which you apparently did based on what you write, it is legal for the creditor to tell anyone about the overdue debt. The law does not restrict people from disclosing truthful information to others, including information that someone is past due on a debt.