Forster & garbus

You should be receiving a letter of collection from this company, now that they've contacted you. When you receive it, send a debt validation letter and, if the debt is validated properly, set up payment arrangements.

As per FDCPA, the collection letter should be sent to you within 5 days after initial contact. Remember, that you have 30 days after receiving the letter, to dispute the debt. The debt collector don't have a fixed time period to validate the debt. But, in the meantime, the debt collector won't be able to carry on collection processes.

If the debt is validated properly and, as OhioGal stated, you set up a payment plan with them, ask the CA to report the account as PAID instead of 'Settled'.

See what I am most scared about if you google them several people have stated that they were making payment for a while them BAM their checking acct is frozen and that they said that they served them with papers (which is a lie) and got a judgement in court which is true but the person never showed up because they never got served. That's why our Attorney general sued them and won but they are still doing it from what I can gather on them.

Go down to the court and see if a default judgment was actually filed. If so, and you never received the summons, file a motion to vacate the default judgment. The clerk will set a date for you and FG to appear in court and the judge will decide to vacate the judgment against you or not.

Quote:

I'm right in the middle of dealing with these losers. Third time back; they send rent a lawyers to court, then spend time back and forth onthe phone with them... I asked for validation and gave them 30 days and they ignored it.. good luck with these bottom dwellers

How did you respond? I sent them an answer and went down and filed one in court because I am currently paying merrick bank directly and he told me that I still had to pay him. I also sent in writing for validation but he says they never got it