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legal for debt collector to serve me at work place??

Date: Thu, 09/14/2006 - 07:19

Submitted by anonymous
on Thu, 09/14/2006 - 07:19

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Total Replies: 9


I live in Rhode Island an old credit card bills which is about $1600 that I did not pay, which is about 4-5 years old. Lately, I have been getting letters from the local law office for months to contact them regarding the debt. Now i'm actually getting getting a couple of sticky note stuck on my door, stating to call them which is a local number to schedule a state trooper to serve me, and i finally received a sticky note stating if i do not call within 24 hours, they will take alternative actions. I'm not sure what i should do, should i call them or wait it out until i save enough money or call them?

I'm pretty sure, i'll probably get sued and have to pay for the court fees and their lawyer fees. I can't afford an attorney. Also, what can they do to me? If they put a judgement against me, what happens?

Can they get a arrest warrant for me or show up at my work place to serve me??


I think you can be served anywhere. I would call them even if you do not have the money to pay and see if you can make a payment plan. You can't get arrested for not paying a credit card bill. If they get a judgement they can put a lien on your home (if you have one), or even garnish your wages with a court order. I would call the number given to you to discuss the debt and make arrangements before you get served and get a judgement against you. But you won't be arrested and put in jail.


lrhall41

Submitted by WHEREAMI? on Thu, 09/14/2006 - 08:02

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I agree with Amy445, you defiantly need to call and communicate with them. Not communicating with them will only make them want to take further action and it makes them think you don't want to make an effort to take care of the debt.
Maybe you can start some kind of payment arrangement with the money you have save already.


lrhall41

Submitted by PinkLady on Thu, 09/14/2006 - 08:17

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i decided to call the number, someone is coming to serve me tomorrow at home, and it's from providian. so i guess payment arrangements is out of the question and there's nothing i can do except wait for my court date? does that mean i have to pay the court fees and their legal fees??


lrhall41

Submitted by on Thu, 09/14/2006 - 08:37

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You said that the debt is 4 to 5 years old. Have you checked if this account is within the legal statutes of your state? Every state has its own SOL. If the statutes have expired by now, filing a legal case against you won't help the credit company anyway. Also, you won't have to pay this debt legally IF the statutes are past. You must know the date when you did the last payment on the account and the SOL period in your state. Only after verifying this info, you will know if there is still some legal back up in your case.


lrhall41

Submitted by aciotsf on Thu, 09/14/2006 - 10:46

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aciotsf has a point. Keep in mind that if there is a small payment activity towards the account on which the company is insisting you, the SOL gets renewed from the beginning on the last payment date. If the account becomes current now, all legal actions will automatically come in force. If the statutes are expired, you are safe. Send a dispute letter mentioning the expiry of the SOL and that you are aware about the laws.


lrhall41

Submitted by keystrokes on Thu, 09/14/2006 - 10:50

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