Thomas J. Russell Attorney At Law

I am also dealing with them now on a different credit account that was listed with my debt settlement company. Yes, he does have to follow the fdcpa. I'm in Ohio and the first phone call I got from one of his aids was absolutely ridiculous. The debt was less than five hundred dollars at the time. Even less now because I have paid the original creditor on this. It took them two months to validate the debt per my request. What they sent me was illegible print screens so I am sending another letter to dispute the debt again. Also the amounts did not match my records so that is another reason that I am disputing it. As far as a law suit, I'm not sure how they work on that. I was threatened on the first phone call and nothing has happened yet. This has been going on since November of last year. I would get the DV letter on ASAP.

I just recieved a letter from him from Ginnys for an overdue amount of 100 dollars. Jesus just 100 bucks lol. :roll:

Diana....send a DV letter. Use the links on the right side of the page under "sample letters". What state do you live in? When was the last time you made a payment on the account? How is this reported on your credit reports?

I just received a phone call from someone at this office about an overdue account with Fashion Bug. I don't dispute the fact of the over due account but the amount requested is very high (exceeds the credit limit by $300!) The person form the law office said a letter was sent to me but I haven't received it. When I requested a copy of the letter, he said that once I received it, I had to call him and pay the amount requested by phone and that there would be no alternate terms offered. I told him that I would pay by mailing him a check and he told me that I was stalling and subject to legal action. Is this true?

DON'T PAY BY CHECK OR OVER THE PHONE! SEND A MONEY ORDER INSTEAD!

Alot of them will tell you that is the only way to pay just to put pressure on you. I have had some say that, I sent them a money order(make a copy of it) and they have never sent money back saying they won't accept it!

They should tell you in the letter how they came up with that amount, interest, charges, etc. Feel free to ask questions..karen

I received several calls from a Betty in his office telling me that my lawyer had to contact them immediately regarding my law suit. I don't have a law suit nor have I been notified of a law suit. SO, I am taking the information to my local District Attorney's office and try to file fraud.
NEVER send any money to any collector or attorney! ALWAYS deal directly with the company and the bank behind the company. They will negotiate a past due account in your favor, usually.
I'm in California. Fashion Bug has put a hundred pieces of jewelry on my card that was paid off and canceled a year ago.
I'm going after the bank for harassment and fraud.

Did anyone ever get verification of the debt from this office? A prinout sent to them after talking to them on the phone?

I too received a call from a Tom King at this Thomas J. Russell Law firm. I have not called back yet, because I am at the beginning of filing for bankruptcy. I have completed my Credit Counseling and have my appointment to give the bankruptcy attorney the money to file on Tuesday of next week. So I am a little reluctant to call him. Not sure if I should let my attorney do it. I'm not sure how quickly this other attorney (Tom King) can do anything to me.