A attorney call me and would say aloud what it is give or take a few, what should I do?
I had a attourney call me but they would not right to be heard what it was about (voicemail). I suspect it is for a ancient credit card debt I was not able to repay 10 years ago.
Should I call? What should I say? Or should I only just call a attourney?
Seem like some sort of trap to me.
Any sustain would be greatly appreciated.
Answers:
Call your attorney if he desires to make any deals (let your advocate sort things out for you) ..... don't sign anything and don't give personal information including your passport (photocopy,etc) credit account numbers and anything to do beside money. He called you so he is supposed to know who he/she is contacting.
find legal advice first...
Do not bid. But check your credit report to make sure it's clear. In this day and age ethnic group can steal your ID and rack up huge credit card debts before you know it. You can check your credit for free, once a year at this site: www.annualcerditreport.com.
No, do not call. A 10 year old debt is nil to worry about immediately. Way too old for them to bother with.
Did he/she nickname you by name? Might have even be a wrong number.
If you defaulted on the credit card 10 years ago, then you are historic the collecting SOL. Credit cards are open accounts and there is no state that have a collecting SOL for 10 years on an open account.
While they can verbs to try to collect after a debt passes the collecting SOL, they cannot legally sue for that debt. (but, never trust a collector since they roughly do not care if what they do is legal or not)
If they appointment again and mention it is for that account, ask them their mailing address later hang up.
Then you can either distribute a debt validation letter followed by a SOL letter (which creates a serious newspaper trail)
Or you can jump straight to a SOL letter.
You might do some reading within the links I have listed within my profile - to the FDCPA (yes a collecting lawyer must abide by the FDCPA) the FCRA and especially the last connect to find your letter templates and other info.
I wouldn't be to worried about it, I did a scour and found this site that explains in detail about this same issue, check it out http://www.mintcreditrepair.com , excellent articles also. Source(s): http://www.mintcreditrepair.com
You said an 'attorney' called. Did they confer on a "number to refer to" when you call? Like a case # or something?
Several years ago a collection agency be calling ME and accusing ME of being the gal they were looking for. It be actually for a friend's daughter who used MY phone # for contact info without my okay! I hadn't seen her for about 5 years, and have no knowledge of where she be at.
If you have the phone #, maybe you can hail as information or the phone company or look it up online to verify who ths # belongs to? The name of the company / firm / etc? OR, maybe you could be in motion to a pay phone (don't use a public phone), call and see how they answer? Then ask for someone, and "Oops! I must own a wrong number! Are you SURE this isn't "Shirley's" #?" Try to get info, but hang up previously you get caught up surrounded by a conversation.
AN OLD CREDIT CARD DEBT?
YOU BETCHA!
It COULD be a collection agency trying to collect on a 'ghost acc't'.
They've been doing this for a few years now. Even if you file bankruptcy, they can still come back to den you! I've read about it on BankRate.com and other sources several times.
I can't remember the exact term they use (sorry), but it's "presence ______ (something)". (I think they DO call them "phantom accounts".)
What they do is take really OLD unpaid debts, resurface them, call and try to collect. AGAIN.
HERE'S THE TRAP: If you even say-so you will pay ANYTHING - even one cent! It opens up collections adjectives over again. And now it becomes "legal" collection adjectives over again. Opens a whole new can of worms adjectives over again.
Best way to handle - If they telephone and immediately say your cross, ask "WHO'S CALLING?" (Don't verify yourself until you get what YOU want from THEM) Have them repeat it as many times as called for in order to write it down (you know, they adjectives just rattle stuff past its sell-by date so fast). Try to get the company name, phone #, and term of person calling (first and last) and a badge or I.D. #.
Once you seize the information - (IF you get the info!) Ask who they are calling for and what it is in regard to.
Do NOT admit to ANYTHING. do NOT try to EXPLAIN anything. Just tell them to do not phone call you again and hang up. Have pad and pen by phone, and write down date, time of respectively call.
This is if it IS a collection agency for an old debt!
Now, if it is indeed an attorney...obviously, you need to figure out what specifically all about. If it is an attorney's organization, they shouldn't be evasive.
If it was an attorney, you could always give the name the number and just say that you get a msg on your voicemail, and you were wondering who this is and what's it about? You don't entail to identify yourself.
Did you maybe witness an accident? or something? (Maybe someone wrote your license plate # down and they tracked you?)
Good LUCK!
It is against the law for a collection company or nouns company to misrepresent themselves as attorneys, police officers, etc. This does not stop many of these companies from doing this but you would hold to believe most do abide by the law. It wont hurt to call stern and speak with them. If you cant pay it is not going to hurt to speak next to them. If they are in the process of taking you to court you want to know what is taking place. If it go to court and you are not present the creditor will be awarded the judgment. This is when they can request things such as garnishments.
The can't really give a lot of information around the debt, due to FDCA rules.
Go ahead and call them up.
DO NOT give any more information afterwards possible.
DO NOT give Social security number, hill or employment info
DO NOT admit to any debt
DO NOT commit to any payments
If possible, record the phone. If not, get someone to listen in on the conversation.
Get the name/time/date of who you are calling.
If this does respect a past debt, immediately dispute it near this person (he may not even be an attorney, most likely lately your average run-of-the-mill collection agent).
DEMAND that they send you validation of this debt. That means you want ALL of the following.Written contract, bills, receipts, copy of final billing statement, copy of demand statement, proof this is within statute of curbing, proof they have a legal right to collect on this debt.
Get the dub and address of the collection agency, attorney, and original creditor.
And that's it! Follow up this call near a certified letter to them again demanding validation.
Then sit back and linger. If they don't send this information ignore them. Once you hold informed them of your request, they can not continue debt collections until they send it to you.
Contact me if you enjoy further questions.
Yup... will just be someone trying to obtain your address for their debt collection service I'm sure... happened to me a year ago, which was biddable, that's how I finally found out who to pay.
it's a trick of some sort. do not return the telephone call and if he reaches you in soul tell him not to call your number again. Source(s): existence
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I stipulation opinion on this. I be at a address given by a District Attorney and within the process my cell phone?
What question should i ask an attorney?
Should I call? What should I say? Or should I only just call a attourney?
Seem like some sort of trap to me.
Any sustain would be greatly appreciated.
Answers:
Call your attorney if he desires to make any deals (let your advocate sort things out for you) ..... don't sign anything and don't give personal information including your passport (photocopy,etc) credit account numbers and anything to do beside money. He called you so he is supposed to know who he/she is contacting.
find legal advice first...
Do not bid. But check your credit report to make sure it's clear. In this day and age ethnic group can steal your ID and rack up huge credit card debts before you know it. You can check your credit for free, once a year at this site: www.annualcerditreport.com.
No, do not call. A 10 year old debt is nil to worry about immediately. Way too old for them to bother with.
Did he/she nickname you by name? Might have even be a wrong number.
If you defaulted on the credit card 10 years ago, then you are historic the collecting SOL. Credit cards are open accounts and there is no state that have a collecting SOL for 10 years on an open account.
While they can verbs to try to collect after a debt passes the collecting SOL, they cannot legally sue for that debt. (but, never trust a collector since they roughly do not care if what they do is legal or not)
If they appointment again and mention it is for that account, ask them their mailing address later hang up.
Then you can either distribute a debt validation letter followed by a SOL letter (which creates a serious newspaper trail)
Or you can jump straight to a SOL letter.
You might do some reading within the links I have listed within my profile - to the FDCPA (yes a collecting lawyer must abide by the FDCPA) the FCRA and especially the last connect to find your letter templates and other info.
I wouldn't be to worried about it, I did a scour and found this site that explains in detail about this same issue, check it out http://www.mintcreditrepair.com , excellent articles also. Source(s): http://www.mintcreditrepair.com
You said an 'attorney' called. Did they confer on a "number to refer to" when you call? Like a case # or something?
Several years ago a collection agency be calling ME and accusing ME of being the gal they were looking for. It be actually for a friend's daughter who used MY phone # for contact info without my okay! I hadn't seen her for about 5 years, and have no knowledge of where she be at.
If you have the phone #, maybe you can hail as information or the phone company or look it up online to verify who ths # belongs to? The name of the company / firm / etc? OR, maybe you could be in motion to a pay phone (don't use a public phone), call and see how they answer? Then ask for someone, and "Oops! I must own a wrong number! Are you SURE this isn't "Shirley's" #?" Try to get info, but hang up previously you get caught up surrounded by a conversation.
AN OLD CREDIT CARD DEBT?
YOU BETCHA!
It COULD be a collection agency trying to collect on a 'ghost acc't'.
They've been doing this for a few years now. Even if you file bankruptcy, they can still come back to den you! I've read about it on BankRate.com and other sources several times.
I can't remember the exact term they use (sorry), but it's "presence ______ (something)". (I think they DO call them "phantom accounts".)
What they do is take really OLD unpaid debts, resurface them, call and try to collect. AGAIN.
HERE'S THE TRAP: If you even say-so you will pay ANYTHING - even one cent! It opens up collections adjectives over again. And now it becomes "legal" collection adjectives over again. Opens a whole new can of worms adjectives over again.
Best way to handle - If they telephone and immediately say your cross, ask "WHO'S CALLING?" (Don't verify yourself until you get what YOU want from THEM) Have them repeat it as many times as called for in order to write it down (you know, they adjectives just rattle stuff past its sell-by date so fast). Try to get the company name, phone #, and term of person calling (first and last) and a badge or I.D. #.
Once you seize the information - (IF you get the info!) Ask who they are calling for and what it is in regard to.
Do NOT admit to ANYTHING. do NOT try to EXPLAIN anything. Just tell them to do not phone call you again and hang up. Have pad and pen by phone, and write down date, time of respectively call.
This is if it IS a collection agency for an old debt!
Now, if it is indeed an attorney...obviously, you need to figure out what specifically all about. If it is an attorney's organization, they shouldn't be evasive.
If it was an attorney, you could always give the name the number and just say that you get a msg on your voicemail, and you were wondering who this is and what's it about? You don't entail to identify yourself.
Did you maybe witness an accident? or something? (Maybe someone wrote your license plate # down and they tracked you?)
Good LUCK!
It is against the law for a collection company or nouns company to misrepresent themselves as attorneys, police officers, etc. This does not stop many of these companies from doing this but you would hold to believe most do abide by the law. It wont hurt to call stern and speak with them. If you cant pay it is not going to hurt to speak next to them. If they are in the process of taking you to court you want to know what is taking place. If it go to court and you are not present the creditor will be awarded the judgment. This is when they can request things such as garnishments.
The can't really give a lot of information around the debt, due to FDCA rules.
Go ahead and call them up.
DO NOT give any more information afterwards possible.
DO NOT give Social security number, hill or employment info
DO NOT admit to any debt
DO NOT commit to any payments
If possible, record the phone. If not, get someone to listen in on the conversation.
Get the name/time/date of who you are calling.
If this does respect a past debt, immediately dispute it near this person (he may not even be an attorney, most likely lately your average run-of-the-mill collection agent).
DEMAND that they send you validation of this debt. That means you want ALL of the following.Written contract, bills, receipts, copy of final billing statement, copy of demand statement, proof this is within statute of curbing, proof they have a legal right to collect on this debt.
Get the dub and address of the collection agency, attorney, and original creditor.
And that's it! Follow up this call near a certified letter to them again demanding validation.
Then sit back and linger. If they don't send this information ignore them. Once you hold informed them of your request, they can not continue debt collections until they send it to you.
Contact me if you enjoy further questions.
Yup... will just be someone trying to obtain your address for their debt collection service I'm sure... happened to me a year ago, which was biddable, that's how I finally found out who to pay.
it's a trick of some sort. do not return the telephone call and if he reaches you in soul tell him not to call your number again. Source(s): existence
Related Questions: