Help Please, Threat of suit !

They can take you to court and try to get a judgement against you but your only income is SSI. So they cannot take any of that. So to sue you would be a waste of their time. You can contact your state and file a complaint against them for not sending you the information you requested. And when you file that complaint let them know that they are threatening to take you to court and have not served you with papers yet. The only thing I have been told (was helping my dad with a CA) is to make sure you keep less than $1000 in your checking account. Because they can take anything over $1000. But then you will have to dispute when they take it because it was income that came from SSI. So please watch your accounts.

Someone with more info will be along, so keep checking back here.

There is and never was a Fred Hanna licensed to practice law in the state of California.

Next time they call get an address for them and ask that they give you a California Bar Number since they are not listed on the State site.

You might also want to call the California Bar and file a complaint.

Fred Hannah file lawsuits like confetti at a parade.

They themselves admit to filing around 8,000 lawsuits a month in Georgia alone.
"http://www.collectors exposed.com/forum2/index.php?topic=114.0"

(Take out the space.)

Did you send that DV letter via Certified Mail, Return Receipt Requested? You will need the proof that they received it and continued to engage in collection activity. If you have that, then you can countersue for FDCPA damages of $1000, plus possible court costs and attorney fees.

According to the article:
Quote:

Hi All,

Thanks for the comments, I was still wondering if I should keep paying the $50.00 per month, if it would make a differance?
It would appear good in front of the judge.
Making an effort to pay on it, even though we are low In come.
Whats your thoughts ?

I wouldn't. From what it sounds like, very little is actually going towards the principal amount. Like this, you will be paying on it forever.

If they choose to ignore your right for validation, you can choose to not send them anything else. Why pay them when they can't prove that you owe them anything at all?

Yes, you may owe them something, but until they provide validation you don't know what you owe or if those fees and interest is even legal! What if all this time you were paying those payments with only a little going to balance and you found out those terms were not legal to begin with and you paid for nothing?

Send them another letter. In it state that you are trying to do the right thing but they refuse to give you your validation which by law you are entitled to. tell them that until they comply with the law all further payments will cease. Also call their bluff. Tell them you will be happy to see them in a court of law that the judge would be real interested to hear about all their actions and how they are taking money they may not be entitled to from disabled senior citizens.

Yep, as the MIA unclewulf says, No Validation, no payment, no way, no kidding!

They are supposed to cease any collection activities until they send verification of the debt.

Thanks for the Info!
We can't afford paying anything anyway.

Thanks again for your help ! Have a good day !