Has anyone ever sued a debt collector or know anyone who has?
Posted in Credit on 09/05/2010 12:12 pm by admin
Johnny asked:
Reason being,
about 3 weeks ago we started getting harassing phone calls from a junk debt collection agency. 10 years ago I settled a 10k cc debt for 5k. I got it in writing and it was on my credit report settled. Well now 10 years later I have a company called Palisades calling me on that. I have received 4 messages from them telling me I am facing a lawsuit that will freeze/seize my assets. They left two at my parents telling them they I am in serious legal trouble. I also got a letter informing me they are doing a employment and asset search to avoid this you must pay 7k. I finally spoke to them and told them i don’t owe them anything that was paid off 10 years ago. They then told me it was for the defency and they will get a defency judgement if I do not comply. I stoped contact with them, but I could not find my settlement letter. I was refered to a consumer rights attorney, they told me to see if I have old credit reports. Lucky I found one with my closing papers for my home and that debt was listed on there as settled in 1999. I pull up a credit report now and it is not on there as it fell off of the 7 year period.
I went to the attoneys office last week to play all of the messages and the letter, with copies of my credit report.
Today I got a call from them, telling me they found 14 violations. 7 where threating and abusive language on the letter and phone calls. 7 others were bringing up the intention of a lawsuit where the statue of limitations is up. They told me this case has a merit up to 14,000 as it is 1k per violation plus attorney fees. I signed a retainer agreement last week stating I dont have to pay anything unless there is merit. The attornies office is looking a filing the papers next week in the federal court system. Anyone ever hear of this?
Martin
Reason being,
about 3 weeks ago we started getting harassing phone calls from a junk debt collection agency. 10 years ago I settled a 10k cc debt for 5k. I got it in writing and it was on my credit report settled. Well now 10 years later I have a company called Palisades calling me on that. I have received 4 messages from them telling me I am facing a lawsuit that will freeze/seize my assets. They left two at my parents telling them they I am in serious legal trouble. I also got a letter informing me they are doing a employment and asset search to avoid this you must pay 7k. I finally spoke to them and told them i don’t owe them anything that was paid off 10 years ago. They then told me it was for the defency and they will get a defency judgement if I do not comply. I stoped contact with them, but I could not find my settlement letter. I was refered to a consumer rights attorney, they told me to see if I have old credit reports. Lucky I found one with my closing papers for my home and that debt was listed on there as settled in 1999. I pull up a credit report now and it is not on there as it fell off of the 7 year period.
I went to the attoneys office last week to play all of the messages and the letter, with copies of my credit report.
Today I got a call from them, telling me they found 14 violations. 7 where threating and abusive language on the letter and phone calls. 7 others were bringing up the intention of a lawsuit where the statue of limitations is up. They told me this case has a merit up to 14,000 as it is 1k per violation plus attorney fees. I signed a retainer agreement last week stating I dont have to pay anything unless there is merit. The attornies office is looking a filing the papers next week in the federal court system. Anyone ever hear of this?
Martin
09/08/2010 at 6:03 pm
Bessie
Call and talk to Dave Ramsey right now. He’s on the air. He’ll tell you how to get rid of these clowns. or you can email him from his website. Listening right now!
09/09/2010 at 9:00 am
Amy
you can and should sue. its way past sol. plus all the other stuff. they need to put all those zombie debt collectors out of buisness.