Any Experiences W/ Maximum Recovery? Threatening Calls Wage Garnishment/Judgement

[ckpp]

I received a phone call from a Mr. XXX, Maximum Recovery claiming to be handling the case for his clients law firm. He requests that my attorney contact him immediately. He claimed if I did not return his phone call by a certain date (two days later), he and his representatives would be filing something in my county and I would have a judgement and my wages would be garnished. He then called back two days later and said he was preparing an affividavit and a case will be brought against me in my county and he rattled off the supposed case number which was my SSN. He also stated they plan to garnish wages (which, ha...there are NO wages to garnish?!!) I have not received any letters stating they plan on taking legal action against me as of yet. Has anyone dealt with this collection agency? Should I expect to be served a summons? I believe this is a valid debt, any advice on how to proceed? Thanks for reading....

PS: I used the search function here and didn't come up with anything regarding Maximum Recovery Solutions, Inc..

[nascar]

debt collectors from Texas

[Robert Nashville/Savannah]

They may sue you…who knows…if they do then you’ll have to respond but cross that bridge when you come to it.

In the meantime, this sounds like typical bottom-feeder debt collection tactics to me – trying to manipulate you into paying by some arbitrary deadline.

If the call again, get their mailing address and whatever they say is your “account number” and then start the DV process (there is lot’s of information on the site about the process)…if they won’t give you their mailing address then that pretty well seals the deal that this is meaningless manipulation techniques.

If you want to start cataloguing their violations of Federal law, start recording any conversations you have with them (although once you get their address I’d advise refusing to answer their calls – it’s very likely that they are a lot better at manipulating you on the phone that you are at resisting).

[Robert Nashville/Savannah]

debt collectors from Texas

They say everything is bigger in Texas...personally, I think that only applies to egos.

[ckpp]

Thanks Robert_Nashville for your input. I already have my DV letter ready to go. I plan on faxing it and also sending a copy certified mail return receipt. I already saved both of his messages.

[ckpp]

Also, the attorney he mentioned, I'm not convinced she even exists. I did a cursory online search and produced nothing. I would be more than willing to acquiesce and settle this debt. However, these collectors are so unreasonable and inane in their approach. If I could pay off the whole amount, don't you think I would have done that PRIOR to it going to collection? Do you know an individual alive who would willingly choose to mar their credit?! It gets to the point where you just give up trying to be responsible about it and say "f" it, I'm now going to do everything in my power NOT to pay you.