Posted on
June 23, 2009
at
11:44 pm
When a debt collector sues you and for some reason you weren't able to respond properly or on time--what can you do? What is the worst case scenario?
Posted on
June 24, 2009
at
4:00 am
they are hoping to obtain a judgment against you. a judgment could mean wage garnishment, a bank levy, or a lien on your property. how did you know that the debt collector sued you?
Posted on
June 24, 2009
at
4:03 am
im not going to jail? and well he told me so over the phone and he said that he's going to send me legal papers soon..
Posted on
June 24, 2009
at
4:09 am
that sounds fishy...under the Fair Debt Collection Practices Act (FDCPA), debt collectors from using abusive, unfair, or deceptive practices to collect from you. when did he first contact you? 5 days after that you should've received a letter stating how much you owe, from which creditor, and that it is your right to have that debt verified.also, debt collectors may not tell you that they are taking legal action against you, if they don’t intend to take the action...why don't check if the collection agency is legitimate?
Posted on
June 24, 2009
at
4:13 am
about 3 days ago..the thing is i travel a lot and i barely recall that debt. if for some reason, im facing a lawsuit, and because of my schedule i fail to respond in a timely manner..i want to know what's going to happen to me.are you saying that this could not be real?
Posted on
June 24, 2009
at
4:16 am
it's possible because you said that you can't even recall what the debt is nor when...if 2 days from now you do not receive a letter from that debt collector, then maybe he's just trying to scam you.whatever you do, do not admit to the debt or promise that you would pay for it.
Posted on
June 24, 2009
at
4:23 am
The collection agency has to verify the debt first, and wait for your response, if it is not to their satisfaction, they'd send you another letter advising you that they are taking legal action against you, then wait for your response again. Even at this point your debt is negotiable--you may not need the full services of a lawyer...I've heard that some debt settlement companies can negotiate your debt even if it has gone legal..I'm not sure, you can try and find that out by consulting with a debt consultant. Fill out one of those forms and ask about your options for free.
Posted on
July 3, 2009
at
7:57 am
also, the collection agencies may not claim to be lawyers or have anything to do with legal matters--for example: sue you, when they don't intend to.
