Trilogy Capital Management

Since Trilogy Capitol Management is a 3rd party collection agency, they have to obide by the Cease Communications letter you sent them. Keep a record of each time they call and the name of the person calling.

Do they garnish wages...I am scared that they are going to talk to my HR department and then I will get sued..

From the way I understand, if the original creditor has sold the account to the collection agency, they have the right to take you to court to garnish your wages. There are a few states are non garnishment states. Did you have them validate the debt?

Know from your original creditor about the latest status of the account. If the file is not sold off, the collection agency does not have the right to garnish wages. They have to send it back to the original creditor who will take further decisions. Check the latest credit copy and see the status of the account. If the CA is now the current creditor, they must follow the federal laws of debt validation before intending any legal actions.

Can you prove in the court that Trilogy Capital Management violated the cease and desist rule after receiving your letter? If you have sent the letter through certified mail and have the green copy signed by them, you have a legal case against them for one of the fdcpa violations. As per the laws, the CA must not have contacted you after receiving your C&D letter. You can also record their phone calls if the collection practices used by them are against the law. Make sure that you check the laws of your state before doing the recording.