Let the fun begin! I am new here, and there is a ton of great information on here! I am thankful. This year, like others, I had a lot of loss. My fiance, father, dog and my job all passed away. I am involved with one estate and one probate case in two other states already. My bandwidth is completely tapped. I know that I can't compete in a legal battle when my heads not in the game.
I am looking for a lawyer, licensed in Arizona, specifically Maricopa county to represent my intentions. I have interviewed a few litigation lawyers and many are not "Persolve-familiar". It is obvious Persolve likes to dig-in. I'd like to know about options. It is early, but that seems to be an advantage.
All ideas welcome from here on.
5/30/20 a $10,500.00 debt that I had with BBVA fell off the payment plan. (I have documentation.)
6/20 I called Persolve and I was told that they did not own the account even though BBVA Bank said that they did.
7/22/20 I receive my only letter from Persolve asking for $13,000.00.
8/19/20 I send a USPS tracked letter back to Persolve contesting the debt amount as being invalid. I am asking for a payment plan based upon the original debt amount. I ask for an explanation of fees.
10/20 I send an email to Persolve from the original 7/22 debt document.
12/1/20 I send another trackable USPS letter demanding communication. I send a $50.00 dollar payment in a money order as an act of good faith for a payment plan.
By this point they have violated all terms of the Fair Trade Credit Act
12/28/20 I received an advertisement from some third party debt settlement company asking if I want help with my court case. News to me that I had a court case. The court case was filed 12/11/20.
I have yet to be served. I cannot access my documents online from the case until served in Maricopa county. They have 90 days to serve me here. I believe that I have 30 days to respond.
At all costs I would like to avoid a judgement. Definitely report Persolve's violations of the Fair Debt Collection Practices Act (https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#805) to the bar or attorney general. I learned from the Arizona Dept. of Financial Institutions that because Persolve is law firm in CA they are not governed by the normal Debt collection obligations in AZ. I learned that it is loophole and nothing can be enforced until the lawyer misbehaves and that would be AZ Bar related. Unless it is all filed in CA.