Hi All:

I am a Collector and I work for an Attorney's office.
It is important that you receive info in writing, but also that you began paying. Just honestly, here in Atlanta, the attororney's will more forward with legal remedies. It is out of the hands of the individual collector in many cases. Also, do not speak with anyone who is rude. Just because you owe a debt does not give anyone the right to mistreat you! Insist on speaking to a manager, if they are rude speak with their manager or VP too! Just don't take it! I owe people too...so I tend to treat people the way I want to be treated! If they will not accept your arrangement get the mailing address and your account number and start mailing something in every month! This plays in your favor! Document EVERYTHING! Hope this helps.

[Reesie]

Just honestly, here in Atlanta, the attororney's will more forward with legal remedies

Hmmm,Will Attorney's in Atlanta move forward without having proper validation of the debt?

Pissed at Fred,

What are you going to fight?

You gave someone the right to have access to your account and are surprised their judgement was taken from that account? Whether they deposited or withdrew money from the account isn't an issue, nor how long they were on the account.

Sorry, you don't have a case or even a right to complain....unless you count complaining at the person whose judgement got your money confiscated.

When you add someone to your account, that account can be attached for their debt--as you are keenly aware.

Co-signing or adding someone to your account (non spouse that is) is a terrible idea. There is a reason they can't get a loan or a checking account of their own.

I would spend my time re-earning that money because you are NOT going to get it back from Hannah. Or perhaps send this person out to get a job or second job to pay you back.

I hate to be the bearer of bad news but truth it is.

Guest by design

[Reesie]

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I have to agree with you on this one.
"Pissed at Fred" doesn't have a legal leg to stand on in regards to the his&her bank account.

[JCEMT]

Unfortunately they are correct Pissed at Fred. There is not really any lead way for you on this matter with the attorneys office. You could however seek restitution from the cosigner.

i have been dealing with a debt consolidation company for about 5 months now debt settlement america, they have been very helpful, but I am still nervous. Yesterday afternoon I found a summons from one debt company in my backdoor that they served to my neighbor. I am still waiting for my rep to get back to me, but in the mean time what does this mean? I have enough to pay more than half of it. So I am not that worried, but I have 3 other credit cards to go, one of them a very large amount. We are trying to save as much as we can each month, but there is hardly enough to buy groceries each week. When i got my first call from Fredrick hanna, they threatened me, with going to court, calling my supervisor at work, to take my possessions to pay, and my favorite, use my other credit cards to pay off this one. they repeatedly call me at work, after several requests not to as my employer does not allow personal calls. I have all intentions of paying back what i owe. I just cant do it all at once. Did i do the right thing using this company? thanks

Edited by Shazzers
Reason: Inappropriate language.

These people, and I use the term loosely, have been harrassing a member of my family who ran up a credit card paying for college expenses. The refused to send anything in writing, refused to give an address to which sge could send payments, and threatened her with arrest if she did not immediately make payment arrangements. Since this "law firm" could not provide a mailing address, they insisted she provide her banking account information and agree to a monthly payment of $300. Imagine her surprise when they cleaned out her entire checking account in one fell swoop. Fortunately, she discovered this within 24 hours and her bank manager cancelled the transaction as "unauthorized". Since then, they have been calling her parents, insulting them and their daughter. These slimey creatures should be in jail. The Law Offices of Fred Hanna and Associates is nothing more than a group of thieves using any tactic, lie or illegal manuver to separate you from your money. If they contact you, tell them you are recording the conversation for evidence for your attorney and applicable state and federal agencies. You'll be amazed at how quickly they stop calling!

have had dealings with this firm also.
they are very rude, i also offered them an amount i could afford, and they wouldnt stop harrassing me until i gave in to the amount they wanted, and i still cant afford to pay it.
what do i do. they are NOT going away.

we entered into a debt consolidation law firm to help us all is going well but we just had another debt consolidation law firm call and threatened us with being sued and they we're very rude is this a ploy to get us to sign with them

I called them back b/c I felt "threatened" about it being a law firm. I had to call several numbers b/c the woman's voice was not understandable. (dialed several #'s) She was hateful, rude...wanted to know details about my situation. (how my family life was, relationship...etc). My husband owns the home and she could not believe that I didn't know how much he was paying per month. I have an idea, but not exact amount, I told her. She told me that she could not believe it because "what if something happened to him?"..."you need to know that". She said she didn't believe me b/c of that. She wanted to know what he made. I didn't know. We keep everything seperate and she said I was lying. I told her her questions were too personal and she hung up on me. I am filing ch. 7 w/i the next 2 wks. They can't sue me, can they?? BTW...I was 2 dys late on an "arrangement" with Bank of America. They wanted to draft my acct and I wouldn't let them, that's what led to this.

[paulmergel]

to answer the question about filing BK.no they can't sue once the stay is in place.if they sue before that.then any proceedings will cease due to the stay so you should be okay.