help with debt collectors

anonymous · 2008-10-10T17:01:50-07:00

I am refaincing my house to pay credit debtoff and capitol one has placed a lein on my house i am from pa.my husband has called them and andre(smartass) tells him he a bum and he needs to pay it in full now and then continues to get cocky left and right so my husband says I am trying to clear this so you can get paid and he still keeps going so finally he hangs up.What should I do know without him settling with us we can't refiance to pay?Please help

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lrhall41

Submitted by on Fri, 10/10/2008 - 17:04

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thanks anything you have to help would be great i am so lost on

thanks anything you have to help would be great i am so lost on what to do.I am thinking about getting a lawyer does anyone agree?

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lrhall41

Submitted by on Fri, 10/10/2008 - 17:08

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Not a bad idea!

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lrhall41

Submitted by on Fri, 10/10/2008 - 17:09

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do think it is worth since I am just getting by on bills now tha

do think it is worth since I am just getting by on bills now thats why I am in the position I am in now.Does anyone think it is expensive?

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lrhall41

Submitted by on Fri, 10/10/2008 - 17:12

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Based on the initial post here, the OP is dealing directly with

Based on the initial post here, the OP is dealing directly with Cap1 and not a CA. Also, they would need to have been awarded a judgement in order to place a lien on your home. Were you served and did not respond?

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lrhall41

Submitted by NASCAR_Devil on Sat, 10/11/2008 - 06:04

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No I was never served with anything from them I just found this

No I was never served with anything from them I just found this out when I went to refiance my house

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lrhall41

Submitted by on Sat, 10/11/2008 - 06:17

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I know its my debt not deyning that but never got served

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lrhall41

Submitted by on Sat, 10/11/2008 - 06:17

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Pull your credit reports and see if a judgement is being reporte

Pull your credit reports and see if a judgement is being reported. Also, either call the courts or check online to see if a judgement has been filed against you. If you find that one has been filed, go down to the court of record and obtain a copy of the file. Look closely at method of service to see how they claim you were served.

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lrhall41

Submitted by NASCAR_Devil on Sat, 10/11/2008 - 06:21

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WHO hung up? The collector or your husband?
I'm a collector and find it hard to believe a collector would be that stupid as to hang up.
There should be no problem if you're willing to pay.
Call the agency back, tell someone you want to pay, make sure they have the right account info, ask them to send you a letter stating that upon receipt of the agreed amount the account is paid in full. Tell them you want the letter faxed to you before you pay.

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lrhall41

Submitted by HreAgnRBHC6 on Sat, 10/11/2008 - 10:00

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