bidasx Posted July 30, 2008 Report Share Posted July 30, 2008 Ok so I suddenly get a call from a new law firm on my ~$22,000+ debt. The guy basically said they took over the other law firm and I'd still be working with most of the people that were on my case before. Court date is Aug. 4th.Anyway he wants to go back to the $4,000 offer that i sent in way back in February to "avoid paying for costly court fees and avoiding the hassle that comes with it," but he made sure to let me know that they had legally enough to handle themselves in court. I just have to laugh! yea the court fees going to be more than $18,000 and you can nail me for $22,000 in court but just want to get $4,000?? I told him that I have never received proof that the CA owns my debt and I can't/won't pay them until i get proof. I told him that if they could show me proof then I would accept. He said he could show me three citibank statements he has for this debt and would show me only what he is required to show me by law and that showing the original contract wasn't possible because that is "classified." I have to laugh again because it is my contract so I should be able to see it since my signature is supposedly on it right? But anyways I told him to show me proof, he will call back in the morning to see if the CA agrees to this. I am fully willing to pay $4,000 to clear this (I charged up $12,000 on the credit card and this deal sounds fine) but... While I think he should show me the original contract, can't the three statements be fine for proof? I just want to pay them and be done with it without arguing with him and without going to court. Could another CA who doesn't own the account get old statements of mine? What can be the minimum of proof?I know it sounds like they have nothing and i should just go to court and just pay nothing but I'd like to avoid court and feel better paying. Link to comment Share on other sites More sharing options...
kydraftsman73 Posted July 30, 2008 Report Share Posted July 30, 2008 I'd go ahead and pay the 4k, but first get it in writing that is the agreement and signed by all interest parties and be sure to have it say that it's paid in full and that balance remaining can't be sold to another CA or reported on your credit file. Link to comment Share on other sites More sharing options...
bidasx Posted July 30, 2008 Author Report Share Posted July 30, 2008 That's what I'm wanting to do. I just don't want this to bite me in the butt later down the road with some other collection agency coming at me again saying they own it. Link to comment Share on other sites More sharing options...
bidasx Posted July 30, 2008 Author Report Share Posted July 30, 2008 update:so they sent me some statements and the signatures of a bill of sale between citibank and the CA with a list of accounts (XXXing out all the ones that aren't mine) from 12/2006. Link to comment Share on other sites More sharing options...
admin Posted July 30, 2008 Report Share Posted July 30, 2008 In court those documents would have to be authenticated as true copies of the original. Also - where is the whole payment history. What they've given you is fine as far as a debt validation, but not proof in court. Plus, they are not the OC and if they don't actually have a Citi employee as a witness and/or authentication, everything they say is hearsay. I say fight it and explain the facts of life to them. Link to comment Share on other sites More sharing options...
bidasx Posted August 1, 2008 Author Report Share Posted August 1, 2008 Thank you, so what exactly should I be looking for as far as "proof in court" is concerned?I talked with a lawyer and they told me to fight it and basically said the same thing, make them prove it, but I'm not sure what I should require as proof they own it.I understand the authentication of the documents, but what documents should they be forced/required to show me. Link to comment Share on other sites More sharing options...
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