Legal Question in Credit and Debt Law in Missouri

Re: Collection question

This is a highly technical violation of the Fair Debt Collection Practices Act if, in fact, this is a collection agency and not the creditor doing the contacting. The collector should not have discussed the matter with your wife. Although you have grounds to pursue a claim for violation of the Act, you may have difficulty getting a judge to enforce the Act if there is no harm that resulted to you as a result of the disclosure.

As for access to your account... I would never agree to that, and they cannot require you to do that. If they won't take a check or money order, they are acting unreasonably. What they are trying to do is minimize their cost. If they draft your account and get nothing, it doesn't cost them any money. If they cash your check and it bounces, they have to pay a fee which increases their operating costs. Send them a check and don't think twice about it.