Re: Being Sued

Posted by Grady (12.222.199.195) on June 10, 2003 at 04:07:21:

In Reply to: Being Sued posted by Jack on June 10, 2003 at 01:14:40:

Hi! One, never listen to debt collectors. It is always endless and zero reliable harrassments. Do not obtain a lawyer, until you have recieved a court ordered judgement for the alledged debt that you owe. This is only their way of demonstrating how bad they want that money. See, the recieve a certain percentage of the money you pay them. The original credit only recieves a percentage of what they obtain. Depending on your state, there is a list of consumer dispute laws regarding debt. Companies have to allow proper arbitrational (fairly worked out deals), before any litigation matter is brought forth to the courts. Again, do not seek legal counsel until you have a court order for the 'said' judgement. If they have returned your checks, then you should have a copy of every returned sheck, or if you have obtained carbon copy of the one you wrote, if ever this was brought forth to the courts. If you have proof that you were sending them payments, the court has to rule in your favor that you were faithfully and willingly trying to resolve the debt. Creditors/Collectors CANNOT refuse payment of any amount owed to them. Again, proof is the key and you must document, record, and collect any information that is exchanged between the two of you. Keep sending them payments, and the next time they call, inform them of your payments and there negligence to your repsonsible part. Litigation is very expensive, expecially before a jury. Companies normally will stand clear of this because it could also overturn and set forth a negative judgement in your favor against them; which this particular case seems valid for that. You do have Consumer Rights for debt collection agencies in your state, read up on them. Do not worry until you have recieved the court ordered judgement for suite. Continue sending your payments.

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