sue after cease and decist letter sent?

Date: Thu, 12/14/2006 - 09:37

Submitted by bayareachika2k3
on Thu, 12/14/2006 - 09:37

Posts: 6 Credits: [Donate]

Total Replies: 8

I received my first phone call from a rude collector this a.m. I have received nothing in the U.S. Mail nor have had to sign for Certified or Priority Mail from this collection agency.

He was "demanding" the certain amount as I was trying to talk to him and he was point blank calling me a liar and telling me that I was telling him a line of crap and I got mad, therefore he started threatning me with wage garnishment..etc.

Does this mean they can still sue me even though I am sending a Cease and Decist letter? I never refused to pay anything..and have never even heard from the place I actually owe the bill to.

it just means you made them mad

they do not like the fact that you do not want to hear from them. If you send the letter they have to stop calling. I would run to the mailbox if I were you.

lrhall41

Submitted by BEAUTY1217 on Thu, 12/14/2006 - 09:42

( Posts: 281 | Credits: )

garnish

so they cannot garnish my wages right?

lrhall41

Submitted by bayareachika2k3 on Thu, 12/14/2006 - 09:48

( Posts: 6 | Credits: )

They cannot garnish your wages without a court order. If it is

They cannot garnish your wages without a court order. If it is a legitimate debt, they could take you to court and get a judgement. But that takes a few weeks, if not months, and you would be notified of the court hearing.

lrhall41

Submitted by goudah2424 on Thu, 12/14/2006 - 10:02

( Posts: 7935 | Credits: )

I have been told that the account has to go without payment for

I have been told that the account has to go without payment for a certain amount of time before they can take it to court. Is that true?

lrhall41

Submitted by jeffc762 on Thu, 12/14/2006 - 11:05

( Posts: 21 | Credits: )

-

I was told mine was 1 month ago. Should I do a debt settlement??

lrhall41

Submitted by bayareachika2k3 on Thu, 12/14/2006 - 11:16

( Posts: 6 | Credits: )

are they offering one

listen a lot of companies are blowing smoke, the company i work for is the same way. usually they will run out of threats and eventually work with you.

lrhall41

Submitted by BEAUTY1217 on Thu, 12/14/2006 - 11:22

( Posts: 281 | Credits: )

rude collector

well their are many reasons to cease a collection company. if garnish ment was threatoned the collector need to follow threw within 30 days of the threat. per fdcpa know ceasing the collector will introduce you to the company atty alot faster than it would normally just have the bill validayed and pay it is it is yours

lrhall41

Submitted by on Fri, 10/12/2007 - 14:39

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They can sue you after a cease & Desist, they can pretty much su

They can sue you after a cease & Desist, they can pretty much sue you anytime, except I think while in a debt validation...I think technically they have to validate before they can file suit.

So the first thing you should do is send a Debt Validation letter certified mail return receipt. You can start to keep a tally of violations and use that as your own muscle.

lrhall41

Submitted by goldenbast on Fri, 10/12/2007 - 15:07

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