Hi I was in collections about a year ago over a visa debt and my family and i were being harassed by this collector by crank calls calling me and my family names yelling at my family if they would tell her i wasn't home etc. Finally when i got to speak to a manager there and he apologized and said they would take my file out of their system and i would be able to handle it when i could afford it that was it no contact since then i moved out when i got married and that was that. Then yesterday i was visiting my parents and they told me i got a letter in the mail i open it and it is from law office stating that their client (visa) is going to sue me if i don't pay my debt ($2000) in dollars in ten days and i will have to pay for court charges and garnish my wages and take my property. I don't own anything just have a joint bank account with my husband. What can i do and how can i fight this andy advice? I am so scared because i have on child and another on the way and my husband works paycheck to paycheck i don't know what to do?
In my case, over the last year I've had the calls, the threatening letters from lawyers etc...........to date, nothing has happened. I mailed my budget, expenses and circumstances to each creditor. I have considerably more debt than 2,000.00 however it all boils down to the banks perceived reality that they can actually collect or that it is financially in their interest to do so. I wish I only had 2,000.00 debt. You might consider borrowing from friends or family or selling something if you have anything worth 2,000.00.
