Technical Question
Date: Tue, 08/04/2009 - 22:59
Sorry if this is a stupid question, but I've been going through all my paperwork on collection letters I've rcv'd over the past almost 3 years in preperation for my upcoming court case for a BoA CC...
I rcv'd a letter from one CA back in 5/07 stating they were collecting for BoA...in the summons/CA letter I got from the CA/law firm taking me to court they state they bought the account from BoA...not the previous CA that had the account. Would they have to state the previous debt collector or is stating they bought it from BoA okay, because that's who I had the original account with?
Sorry, if this is a stupid question...just trying to get all my ducks in a row.
I rcv'd a letter from one CA back in 5/07 stating they were collecting for BoA...in the summons/CA letter I got from the CA/law firm taking me to court they state they bought the account from BoA...not the previous CA that had the account. Would they have to state the previous debt collector or is stating they bought it from BoA okay, because that's who I had the original account with?
Sorry, if this is a stupid question...just trying to get all my ducks in a row.
It's not a stupid question, it's actually a rather common misund
It's not a stupid question, it's actually a rather common misunderstanding.
The other collector was most likely contracted by the OC to collect. The banks don't normally sell the debt until 2 years of unsuccessful collection efforts, so the timeline seems about right.
Don't forget to File a Motion for Discovery, and if it's legitimate, you can work out a payment schedule without getting a judgement on your record (sometimes it will be in the form of a "suspended judgement"), or a settlement.
For more info see:
"http://www.nedap.org/hotline/court.html"
While its for New York, and hence may vary in minor details with your state, it is a very good resource.
