Need info

Tim -

Can you give us a little more info on your situation? Are you fighting them based on violations of the Fair Debt Collection Practices Act (fdcpa)? Or are you fighting them regarding something you feel you don't owe?

Go to naca.net and find the attorneys in your area.

I know one in Texas. naca.net is a good place to look for a lawyer to fight collection agencies.

texas,
I can not find a lawyer near me in pa on the naca site. I looked on it earlier, I called the original lender on my account to find out when the last payment was made by me. They told me that it was made in 9/05, for $286. This is impossible, I know I did not make this payment to them and haven't sent them any money in 6 years or more. I think they did this, changed the date so it would fall into the SOL in my state. Have you ever heard of a credit card company doing this? I sent them a letter requesting a full statement of the account. (the original company) and sent a debt validation letter to CACH and their lawyers. I will show up and fight this in court.

It is called re-aging a debt. It happens when unethical companies try to circumvent the reporting laws and try to destroy your statute of limitations defense.

There are a bunch of lawyers in PA who do this type of work. Even if they are not near you, contact some of them. I am able to represent people all over Texas. We just do the paperwork by email or fax. They can probably do the same.

If you live in Ohio, Luftman, Heck & Associates have worked well for me. Their website is lawlh.com.

Is this legal, reaging debt, I did not make the payment they are saying that I made. I am hoping that they will send me a full report on the account (providian, original lender) How can they document a payment that I never made. I don't see how this is legal?

restingviolets
I live in Pennsylvania, I was looking on naca for a lawyer in my area, there is not one listed. any suggestions?

fedupinpa,

Although I don't know of any lawyers in PA, I would suggest that you contact the lawyers at Luftman, Heck & Associates and see if they could refer you to someone in your area. Their phone# is 614-224-1500 or you could email them at info(at)lawlh.com. Who knows, maybe they have a 'sister' office in PA. Secondly, do you know of anyone who has a pre-paid legal plan? Perhaps they could get the name of a lawyer for you or if you don't know anyone who has a prepaid legal plan, visit their website at prepaidlegal.com. From looking at their website, I found that the plan is available in PA, but I am not sure they could help. It would be best to contact them for state specific laws regarding your situation. I do know they have a team of lawyers who specialize in different areas. I previously owned a plan and they assisted me when I was the victim of a scam.