Re: Discover card turned over debt to lawyer who is now calling

Posted by Taziblue (65.139.130.251) on July 28, 2004 at 16:13:29:

In Reply to: Discover card turned over debt to lawyer who is now calling posted by mafabo on July 27, 2004 at 22:26:28:

Rule # 1. Never talk to bill collectors.
Rule # 2. See Rule #2

My understanding of the Federal law is that the original telephone communication MUST be followed up by written communication of debt, including the mini-miranda.

For 600 debt to get that large would involve usury- which is illegal.

These "lawyers" may be buying bad debt themselves-

Read-read-read on this forum.

GO to WhyChats website and read. You may find the answer you need.

In the meantime, consider this- it probably costs around $300 just to file a lawsuit- to collect a 600 debt ? Doesn't make sense, does it?

Plus, if you fight back (and you will)- they will have to answer everything you file and show up in court.

Stop talking to them- don;t answer the phone. You can only get hurt if you talk to them.

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