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PRA calling about litigation

Date: Mon, 05/17/2010 - 20:14

Submitted by Robert Stuczynski
on Mon, 05/17/2010 - 20:14

Posts: 5 Credits: [Donate]

Total Replies: 3


Hey all, I've been getting calls from these guys for months now. I finally gave in and talked to one of them. They said I was in litigation in California. I'm in a job that only lets me bring home 400 a month and I have a child to feed. I just can't pay these guys. What do they mean by me being in litigation. I asked that they stop calling me and he rudely went on that I can't just ask them to do that. I told him to stop again and that if they didn't I would report them to the proper agencies. his response was "any reports you make won't mean jack crap". I stupidly gave him me new address before any of this went down. (They start off being very polite...) I know the SOL is not up, what can I do other then send a letter to verify the debt. They say I owe 6800 but i know that originally it was much less. I read somewhere, don't remember where, that I can demand a receipt of purchase for the account. Meaning they show proof of how much THEY paid for the account and to work from there to pay that amount off. Funny thing is the phone number they call me at isn't even under my name. It's part of a family plan which is under my mother-in-laws name. They also call and leave messages repeatedly on my sisters home phone. Is that legal? Thanks!


You must send a debt validation letter to them through certified mail with return receipt requested.

To initiate a legal process they are required to sue you in the court house in your county and you would receive summons for the same. You can check out the county court website to confirm if there is a pending lawsuit against you.

Meanwhile, you may also send them a cease and desist letter mentioning that you would like them to contact you only and that also through mails.


lrhall41

Submitted by SC on Mon, 05/17/2010 - 22:04

( Posts: 3937 | Credits: )


forget cease and desist. What state do you live in? Also, have you ever lived in California? What they have just done is given you a reason to sue THEM.

Something else, you dont need to send them a letter telling them to only contact you, because federal law already mandates that they cannot legally contact anyone else once they learn where they can contact you. Yeah, from what you wrote in your first post, they have broken the law in probably a half dozen ways in just that one call.


lrhall41

Submitted by skydivr7673 on Tue, 05/18/2010 - 03:05

( Posts: 2036 | Credits: )


Quote:

Originally Posted by skydivr7673
forget cease and desist. What state do you live in? Also, have you ever lived in California? What they have just done is given you a reason to sue THEM.

Something else, you dont need to send them a letter telling them to only contact you, because federal law already mandates that they cannot legally contact anyone else once they learn where they can contact you. Yeah, from what you wrote in your first post, they have broken the law in probably a half dozen ways in just that one call.


Yes I do live and always have in California. I believe my sister still has the messages they left her. Should i try to obtain a transcript of those?


lrhall41

Submitted by Robert Stuczynski on Tue, 05/18/2010 - 12:55

( Posts: 5 | Credits: )