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Guest · Posted: Mon Apr 10, 2006 7:15 pm Subject: Fred Hanna and Associates 800-450-6575

Someone named Fred Hanna called my father-in-law for either myself or my husband, he did not ask for either of us specifically I guess. He called from 800-450-6575. When my father-in-law called and gave us the message, we called the number but they were closed. Has anyone heard of these guys, or dealt with them. I looked them up and found some info on Budhibbs.com, and it says they usually work for LVNV/Resurgent. Anyways, just curious what I am facing. Not sure why they didn't just call us.

Posted: Tue Apr 11, 2006 3:14 pm Subject:

Guest · Posted: Tue Apr 11, 2006 3:39 pm Subject:

Sorry, I misworded that, what I meant was he asked for either of us, not one of us specifically. Anyways, I called them back today, and it was strange...the woman I spoke to was actually very nervous. I asked her who they were, what the call was for, and why they were calling family members. She got real shaky on the phone and was like "uh, well, uh..I'm sorry, that is the number we have on file for you." I said, "no, it is not...you did a skiptrace and got that number, why would I give you my family members' phone numbers instead of mine?" She said "oh, well, uh, I...uh, ok, I'm sorry, I am not sure why we called that number, but, uh, we will call you from now on." Then I told her that I needed a letter mailed to me, and she asked for my address, I told her I would verify what they have on file, and she said ok, she will get the letter out. It was funny to talk to someone that got that nervous that easily. She must be new.

Posted: Wed Apr 12, 2006 2:56 pm Subject:

Yes, she must be new Very Happy

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rlrain · Posted: Tue Apr 18, 2006 4:37 pm Subject: Fred Hanna & Assoc.

They are a law firm I guess. The collection people are VERY rude, a debt of mine was sent to them and the lady said they are about to sent it to my work for garnishment. I told her to mail me a copy of the amount I am looking at and I would arange a monthly amount. I can only pay a Very Minimal monthly amount and she said it wasn't good enough. She said the only thing they will sent me is a summons, she said she will not call me anymore and suggested I call my attorney and hung up.

I don't know what to do, or what rights I have..
the debt is about 5 or 6 years old. How can I pay something they will not send me any information on?

Posted: Tue Apr 18, 2006 5:53 pm Subject:

Always ask for written documents before paying. And if the debt is old, then check the SOL of your state. A past SOL debt is not legally collectible. By paying a dime or agreeing to pay, you might restart the SOL clock.

rlrain · Posted: Wed Apr 19, 2006 8:49 am Subject:

The law firm wont send me any written documentation, they told me they will only send a summons. I'm scared, i know this isnt the end of the world but I am a single parent and I cant afford any other expenses. The mistake I made was about a year ago, I made a payment on this debt of about $200 which indeed restarted the clock. Now the Law firm is calling me but wont work with me. What can I do? Can I work with the orginal Creditor? the debt start off as $4600 while i was married but it was only under my name. Now that I am divorced my Ex wont help, he's no responsible, and the interest has brough it up to about $8000.
I tried to put it on debt consolidation but they said they wont take it because it's with a law firm and the law frim can sue at any moment.

I am seriously making sick to my stomach over this.
can anyone please help? Advice?

Guest · Posted: Wed Apr 19, 2006 9:10 am Subject:

rlrain,

I have a two debts that are with law firms that I consolidated. Did you sign up for consolidation on this forum? You need to try another consolidation company. Chances are the law firm won't sue if it is consolidated because then they know they are getting their money. You also might try debt settlement through an attorney, that may work better for your situation. What state do you live in if I may ask? If it does go to court, they will take into consideration that you are single, they will not take all your income, don't worry, the judge will understand, and will most likely set up payment plans.

rlrain · Posted: Wed Apr 19, 2006 9:26 am Subject:

I live in California. I just found this site so I am new. I really dont know where to start. I filled out the form on this site to get a call back regarding consolidation. I am waiting on that. I don't have money for an attorney, I wish I did then it would be easier. I am not trying to run away, I just want to take care of this but I dont know how. The people at the law firm are rude and wont send me a notice or anything in writing. so I dont even know where to send a payment. at this point I am walking on egg shells waiting for the next collection call, or waiting to get sued. This is the first time this has happened to me and for $8000 I have heard filing backruptcy isnt worth it. And what sucks is this debt is not Soley mine, but because it's only under my name i take the heat. I hope I can arrange payments and maybe take my ex back to court so he can share the cost because it was a common debt.

So an expense can be consolidated if it's with a firm? how much does that usually cost?

Guest · Posted: Wed Apr 19, 2006 10:41 am Subject:

You can find an attorney that specializes in debt settlement, and they break their payments up and include them in your monthly payment usually. Or, sometimes the first 3-4 payments you make go to them, but the good thing is that if anyone sues, they represent you.

Post edited as per forum rules-Mike

Posted: Wed Apr 19, 2006 11:31 am Subject:

I would suggest you registering with this site and take the free counseling. As long the debt is not sent to court, the consolidation companies will work with you.

Settlement might hurt your score in the long run. Consolidation seems a good option. Your counselor will negotiate with the law office on your behalf and straight out the problem. Do let us know if you need any more information.

rlrain1 · Posted: Wed Apr 19, 2006 12:09 pm Subject:

I have filled out the form, I received an emial that I will be called soon. They have referred me to Superior Debt Services. Do consolidation companies take on debt that now belongs to a law firm?

Posted: Wed Apr 19, 2006 12:13 pm Subject:

That is a good company to deal with. They have a very good reputation in the market. You can deal with them. Interact with your counselor and inform about your situation. Hope they will help you out. You will receive a call from them very soon.

By chance, if they cannot help you, come back to forum and post here or PM me, I will send you some more information. BTW, why you are not logged in to the forum. I can see you as a guest. Use this link to log in-

http://www.debtconsolidationcare.com/forums/login.html

rlrain1 · Posted: Wed Apr 19, 2006 2:03 pm Subject: ahhhh

So I just got off the phone (during my lunch) and was talking with the Law firm. They want me to settle or arrange payments with 10% down. I explained to them I cannot do that at this time but I am only able to send a monthly amount. They basically said if I don't give them a post dated check then just wait to be sued.
Very unsimpathetic, I told them I was a single mom, barely enough money to make it as it is, and the debt was from a divorce. The lady said I was using excuses and stalling. She told me she was a single mother too and she didn't want to hear it. I can only do what I can, I don't know how they expect me to squeeze money out of somewhere I dont have it.
What Can I do, I am Bascially waiting to get sued.. What happens next?
I am so Lost... I am back at work sitting at my desk crying. I feel helpless.
Please someone help

Guest · Posted: Wed Apr 19, 2006 2:09 pm Subject:

DO NOT give them a post dated check! They will find a way to cash it immediately, then your are in trouble. If they take you to court, they will end up having to accept your payment arrangements, so document, document, document. Write down everytime you speak to them, who you speak to, what type of arrangements you offered, and who declined it. You can use this info in court to show you are trying. I would even send them a "good faith" payment ASAP, so you can use that to show the judge that you are trying. They are probably just blowing hot air...do you know how many times I have been told by a law firm that they are going to sue, then nothing? Lots of times...it is mostly a scare tactic to get you to beg, borrow and steal to pay them. Do not let them intimidate you, especially on the phone. Just stand firm and don't make promises you cannot keep. At this point, it may be beyond your control whether or not they sue you, but trust me, they will end up with payment arrangements in the end. It is a waste of their time, and they probably know it, so they probably won't pursue it.