I have this creditor delete from my credit reports this year after a full year of talking and writing junk mail for validation of my debt but i keep getting notice from some differnt attorney's stating that they are going to file a judgement against me if it is not remunerated. Is this legal to do ?
Answers: Attorneys crash down under impossible to tell apart law that collection agents do.
Send the attorney a note demanding that they validate the debt. Inform them (and show proof) that you attempted to find validation from the creditor and they have not responded.
Remind the attorney that if they profile a lawsuit you will file a counter-suit for FDCA violation for $1000.
They may still file a lawsuit, but your counter suit will cancelled the legal fees and knock $1000 bad the debt. If they debt is small they may end up owing you money.
Just because the item be removed from your credit report due to failure to confirm does not mean that the debt is still not owed.
You first inevitability to confirm if the debt is within the statue of limitations for your state.If it is outside the statue of limitations, they cannot capture a judgment against you...Note: tons times debt collectors use bogus threats like garnishment/judgments...
If you owe the money and they achieve a judgment against you, it will unquestionably show up on your credit report. They won't get a verdict unless they can prove you owe the debt, though. To get a sentence, they have to serve you next to court papers so be prepared to appear with an attorney to box it. Semi-legal.
You now inevitability to start the process again with this collector/attorney by demanding proof of debt.
Welcome to the fun world of screw over those least competent to afford it. For some reason we consistency the need contained by the US to kick individuals when they are already down.
Good luck
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Answers: Attorneys crash down under impossible to tell apart law that collection agents do.
Send the attorney a note demanding that they validate the debt. Inform them (and show proof) that you attempted to find validation from the creditor and they have not responded.
Remind the attorney that if they profile a lawsuit you will file a counter-suit for FDCA violation for $1000.
They may still file a lawsuit, but your counter suit will cancelled the legal fees and knock $1000 bad the debt. If they debt is small they may end up owing you money.
I applied for a credit card, but enjoy since changed my mind?
Just because the item be removed from your credit report due to failure to confirm does not mean that the debt is still not owed.
You first inevitability to confirm if the debt is within the statue of limitations for your state.If it is outside the statue of limitations, they cannot capture a judgment against you...Note: tons times debt collectors use bogus threats like garnishment/judgments...
If you owe the money and they achieve a judgment against you, it will unquestionably show up on your credit report. They won't get a verdict unless they can prove you owe the debt, though. To get a sentence, they have to serve you next to court papers so be prepared to appear with an attorney to box it. Semi-legal.
You now inevitability to start the process again with this collector/attorney by demanding proof of debt.
Welcome to the fun world of screw over those least competent to afford it. For some reason we consistency the need contained by the US to kick individuals when they are already down.
Good luck
Resolved Questions: