Help me! Obviously, I am a fool...I gave them (Law office of Joe Pezzuto) my checking account information after they started spouting off all kinds of legal actions. Can they actually go into my account and take out money?

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YES!! Close your account ASAP.

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Read about "Debtor Rights" on the internet. They have debtor right handbooks available on the internet.

You can send them a letter called a "Cease and Decist all Calls Letter" and mention the phone number that you do not want them to call. You have a right to tell them to "Stop all calls." I believe this is your Debtopr right. Then ask to be communicated with only by ground mail. You can mention bankruptcy if you are going that route or simply tell them you have no money if you are unemployed etc.

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I believe it takes a court action to do this. You might speak to an attorney and ack if they can do that.

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It might be against the law to call you at work. You might look into your debtor rights to see even if they allowed to call your job, they might be breaking the law.

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Before you begin to start paying any online payments, you had better make sure the debt is owed to these guys. You have no idea who they are and if they can't provide a "PROOF OF DEBT" statement, then question the debt. Contact the original account holders and find out if this company has a right to collect. The FTC, Federal Trade Commission takes complaints against Collecton agencies if they are illegally collecting debts. I believe it is unlawful for collectors to collect on a debt when you don't owe them money. So ask for a "proof of Debt statement" first before paying any thing. Just to make sure you might ask the original creditor if they are handling the account.

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It is illegal to threaten legal proceedings, from what I know, they can't tell you to agree to a payment plan or they will sue you, from what I know this is illegal. Consult your attorney about this being I am uncertain. It cost them money and time to sue you so they want to settle and sometimes they will settle the matter for much less than what you owe.

There are books and on the interent there are "Debtor Rights Handbooks" available on the internet. Debt collectors can call but must only state specific information and they can't call any time they want. You have a right to tell them the means by which you want to communicate, in other words, you can send them a letter saying not to call and that you only want to communicate by letters. This will stop the agressive collection calls that drive us all crazy when debt collectors call. You have a right to send them a "Cease and Decist all Calls" letter. Then just tell them to communicate with you via snail mail. This will give you time to respond to there requests. If you have little money and are unemployed, simply tell them that in your letter. If you are considering bankruptcy, let them know. If you want to settle the matter for pennies on the dollar, make an offer. Really, the best way to communicate with any debt collector is by mail because it stops the rude phone messages and rude collection efforts. If the Debt collector continues to call you, you can tell them they might be in violation of the law because you gave then notice not to call you and to only contact you via email. Make sure to send letters by obtaining a certificate of mailing or proof of mailing.

Really, go to any book store and buy a book on debtors rights and you will avoid a huge problems.

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This company is ruthless. Dont let them jerk you around. If you are making payments there is nothing they can do. I have a debt with them and they did the same thing to me. Treating and trying to intimidate me. They even told me that I cannot send in payments. I had to go online to get their address because they would not give it to me over the phone. It seems to me they try to avoid doing things in writting because they cannot be jerks if they do it that way. If they continue to threaten you or call continuously just tell them they will be sued for harrassment.

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