Does suing work?

[mwally007]

Let's say, hypothetically, a CA is CORRECTLY reporting a paid collection for, ummm, $88. The CA does EVERYTHING by the book. The know the law like the back of their hand.

Let's say the CA is sued for wrongfully reporting the debt. You claim they agreed on the phone for a PFD. Do they defend? Or do they just delete?

I'm not condoning anything or suggesting anything, I'm just curious how likely CA's are to just, "give in" to a lawsuit (or filing papers for that matter).

[timbercreektech]

If you don't have it in writing it's as if it never happened.

A judge also wants to see that you tried to settle the claim before coming to court. To do this, you need a paper trail of correspondence. The only way a CA will "give in" is because your last attempt to get them to delete will be an ITS showing them the evidence. If you have the evidence of procedural infractions they will avoid court by complying with your requests.

[nascar]

Let's say the CA is sued for wrongfully reporting the debt.

I would worry less about the CA and how they would respond and more about how the court will respond. Filing a frivolous suit could cost you. Let it go.

[SecretAgentWoman]

While people have successfully sued even if the original debt was valid, it was only because they carefully documented and communicated every step of the way and the CA was just plain incompetent.

Sometimes, you won't be able to win.