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Are you -- debts did so listen up you may want to think twice about using social media sites like FaceBook and Twitter because debt collectors.
Are now using these sites to track down people who -- them money.
But is that even legal Kelly -- -- is a privacy attorney she joins us this morning from Chicago hey Kelly nice to see you.
Nice to see to -- learn from her own.
-- is -- this doesn't mean it makes a lot of sense to -- if your debt collector -- wanting -- -- with the lifestyle is of individuals whether or not they have this money squirreled away somewhere want to go on FaceBook Kelly.
Absolutely it's totally legal -- once you put your information out on FaceBook you have no reasonable expectation of privacy.
So Kelly explained how it works a debt collector is looking for somebody wondering what's on these financial status is how -- they find out on FaceBook.
Well the first thing they do his friend you so they make a profile and as long as they're not impersonating somebody else it's completely legal day.
Put out a friend request.
And usually get accepted except some people have been privacy settings set up so that everything is public and you don't even have to friend them.
To find out their pictures where they where some people put their phone numbers their home -- is.
He's a debt collectors may not be able to fine but for any individual putting it on their profile and putting -- out there.
Yeah makes a lot of sense here are some statistics to throw -- you this morning Americans -- on average.
Dollars in credit card debt and her American Latin Americans -- a total of 850 billion dollars in student loans and seven to eleven or 11% of credit card -- don't even pay off their debts of Kelly I guess.
If you got photos you were out you don't want a little bit of a trip he went on a little bit of a vacation you went to the mall you put up a little status update on FaceBook this is hate.
I just -- -- new shoes guys what do you think what do you think of these don't do that.
Well don't do it use common sense that this thing about it is I mean let's be -- you should pay your -- so don't use that as a mechanism for avoiding paying creditors.
The real de LA as.
If somebody -- a judgment against you than they do something called a citation against you which means they're entitled to go after everything few lucky with a nice watch.
They can -- to the judge hey I want that lots and get it.
If it's something that comes and they say I'm still broke here on there and barely making ends meet and then all the sudden here's -- -- pictures.
The -- is not gonna believe -- and they're gonna say you know like you're making payments and if you -- you're going to jail.
That's fascinating so if you put a picture of you heard shiny new car.
On FaceBook and you -- -- collector even a small amount the debt collector is entitled to some portion of that.
Well if you actually own it outright sure they can force you to sell it and pay them off.
He'll get to keep it it.
You don't get to keep nice shiny things are new -- -- and avoid paying them -- view on a trip if you have a new Chanel handbag.
If you have something like that they can say you know I turn it over and I don't care -- -- -- pennies on the dollar you're gonna satisfy -- stat.
They have some superior rights.
This country and all right yeah that is fascinating -- -- in -- we appreciate you joining us this morning from Chicago because -- First time that I was it done this insurance fraud also people say they've got injuries and -- and out of a boat.
You know water skiing moguls just go and change your privacy -- to be aware of what you put out there.
And don't just sort of -- a good clean life just -- your private yeah you're probably don't want to see what -- How -- coming up a new report showing.
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