VMRocks Posted November 25, 2018 Report Share Posted November 25, 2018 Hello, I've never been in this situation, so am not quite sure what to do. Long story short: I left the country two years ago to help a family member in another country. I left a credit card behind that I meant to pay, but have been struggling with money for these last two years, and being out of the country, I wasn't as concerned. When I returned to my parents house(last month), they said I have been getting some collection letters for the card. I wasn't concerned because I plan to save (finally) and pay off the lump sum. Yesterday, I received this letter: Our law firm has been retained by our client, DEBTORS NAME HERE (this is not the original company I owe, but a third party), to collect: JM File Number: XXXXX (there is a real file number here) Total Amount Due: $3,000 Acount Number: XXXXXX Creditor: CREDITORS NAME HERE Original Creditor: ORIGINAL BANK I OWE NAME HERE Unless you, within thirty days after receipt of this notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid by our office. If you do dispute it by notifying our firm in writing to that effect, we will, as required by law, obtain and mail to you verification of the debt or a copy of the judgment, if any. And if, within the same period, you request in writing the name and address of your original creditor, if the original creditor is different from the current creditor, we will furnish you with that information too. The law does not require our client to wait until the end of the thirty day period before pursuing their contractual rights against you to collect this debt. If, however, you request verification of the debt of the name and address of the original creditor within the thirty day period that begins with your receipt of this letter, the law requires our firm to suspend our efforts to collect the debt until we mail the required information to you. You may request, in writing, copies of the documentation and PRA or PRA's agent will, within 30 days of such request, provide the documentation at no cost. This communication is from a debt collector. this is an attempt to collect debt. Any information obtained will be used for that purpose. My question is, how far is this process along? Will I be served? Is this just a letter to scare me, or should I write them back? Any other advice is welcome. Thank you! Quote Link to comment Share on other sites More sharing options...
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