Ish Posted March 2, 2007 Report Share Posted March 2, 2007 I received a letter from a lawyers office representing a CA. They are seeking a balance from 2 years ago for $4,500. I have a week before I can pay them, after that they will send my documents off to a courthouse and get them signed. They advised me to pay the full ammount becuase after it goes through I would be held accountable for more, she said interest + laywer fee's (around 2k). They also want me to pay in a cashiers check. Id like to get this done with asap incase i do actually get served, but am i only responsible for the 4500? or am i liable for the 4500 + interest + lawyer fee's? I completely understand the principal + interest, but im not so sure on the fee's?At this point I dont think I can validate the debt.Any advice or comments would greatly be appreciated Link to comment Share on other sites More sharing options...
lookinup Posted March 2, 2007 Report Share Posted March 2, 2007 Possibly this is just a collection agency using a lawyer or lawyer's name to try to scare you into paying.Give more details about what we are talking about here. What kind of debt is it, when was the last activity on the account, what is the name of the collection agency and the law office?Have they given you any proof that you owe what they say and that you owe it to them? Link to comment Share on other sites More sharing options...
qtptute Posted March 2, 2007 Report Share Posted March 2, 2007 Umm, is this the first letter you've received? Is there a g notice? VIOLATION (if not) How aboout the mini miranda? VIOLATION (if not)Is states that you have a week to pay? VIOLATION It's from an "attorney"? VIOLATION (if not)Is the OC listed? VIOLATION (if not)Send your DV today. THEY HAVE TO PROVE THAT YOU OWE THE MONEY TO THEM! Link to comment Share on other sites More sharing options...
Ish Posted March 2, 2007 Author Report Share Posted March 2, 2007 This is the only letter I have received. Its from a local attorneys office and he signed it. The CA that hired the lawyer is "Atlantic Credit & Finance". And in the letter it just has a case #. My original O.C. is not listed as well as the original account number. I called atlantic credit and finance and they referred me the the attorneys office, They said they legally cant speak to me about my file, if i want to speak i need to talk to the attorneys office. Also am i held responsible for attorneys fee's? or just the principal + interest??Also they have the adress to my parents house on file, I have moved , so what happends if they happen to serve me there. Were still in the same state, but im just about 50 miles away (in a different county). Link to comment Share on other sites More sharing options...
AISLE4 Posted March 3, 2007 Report Share Posted March 3, 2007 I don't understand why people are so afraid of getting sued. CAs love to use the threat of lawsuits to scare people into paying right away before fully exploring the options. I've had the threat of lawsuits tossed at me so often that I am now actually looking forward to court. By the way, a day doesn't pass without a CA leaving a message on my machine about possible legal action. They always sound so earnest with their case numbers and their overly careful diction (script reading), and of course they are always calling from the "pre-legal" department. Oh, and there is always an important date coming up which will move the account from the "pre-legal" into the dreaded "legal" department. They have given you a week to pay or you will end up having to pay more. Well, you actually don't have to give them a cent until they prove their case in court and a judge rules in their favor. And even then they'd have to jump through some hoops to get to your money.No one is going to throw darts at you in court. And don't count on being served properly. If you smell a lawsuit coming, start checking your county court regularly to see if a case has been filed. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 3, 2007 Report Share Posted March 3, 2007 I don't understand why people are so afraid of getting sued. CAs love to use the threat of lawsuits to scare people into paying right away before fully exploring the options. I've had the threat of lawsuits tossed at me so often that I am now actually looking forward to court. By the way, a day doesn't pass without a CA leaving a message on my machine about possible legal action. They always sound so earnest with their case numbers and their overly careful diction (script reading), and of course they are always calling from the "pre-legal" department. Oh, and there is always an important date coming up which will move the account from the "pre-legal" into the dreaded "legal" department. They have given you a week to pay or you will end up having to pay more. Well, you actually don't have to give them a cent until they prove their case in court and a judge rules in their favor. And even then they'd have to jump through some hoops to get to your money.No one is going to throw darts at you in court. And don't count on being served properly. If you smell a lawsuit coming, start checking your county court regularly to see if a case has been filed.STANDING AND APPLAUDING!!This response should be framed at the top of the lawyer posts... honestly... my favorite was one who called me when I tried to settle (and never did with them)who said " I have to go to the laywers and see what they say. you need to hold they are in the board room waiting to hear back from me." After all I had the dreaded 5 pm deadline (yes, she actually said that and put me on hold, probably to grab a smoke)..... LOL.. like a bunch of laywers were sitting around a huge table waiting for my call to confer.. seriously.. how idiotic is that... they also threatened to send the sherrif that afternoon to ARREST me (neat trick since I lived 500 miles away from their agency) they said they were local.. ,they were not.. they broke every record in the book.. it was a violations lollapalooza.. all that was missing was some beads, strippers and party hats.... (But dont' worry I broke out the good booze AFTER the call)these people will say or do anything.. QT is right of course.. they have to PROVE it first.. you dont have a deadline THEY do.. send em a DV.. and dont be afraid of them.. its what they are counting on..OH and it bears repeating STAY OFF THE PHONE WITH THEM.. DO NOTHING BY PHONE.. !!!!!! COVER YOURself in paperviolations lollapalooza ---> Link to comment Share on other sites More sharing options...
Ish Posted March 3, 2007 Author Report Share Posted March 3, 2007 So I pulled all 3 credit reports (separately) and I don't have anything by "Atlantic Credit & Finance" under collections. I do have an inquiry from the Attorneys Office only on my Experian report. The inquiry was made 1 day before they had sent the letter out.How is it possible Atlantic Credit & Finance (so they say) has my file and its not listed on any of my three credit reports, but the law office is listed?any input appreciated Link to comment Share on other sites More sharing options...
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