What does get an attorney really mean

Date: Fri, 03/31/2006 - 13:52

Submitted by carli_anne23
on Fri, 03/31/2006 - 13:52

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Total Replies: 6

LCS the CA for Macy's is stating that I can not make any payments on my account, the bank will not let them take payments. When I stated I could not pay the account off today or settle the account today, the women I was speaking with became rude and said, then get your self an attorney. What does this mean. I am new to this and Im not sure how to handle this situation.

Call their bluff, if they were told by the bank they can't accep

Call their bluff, if they were told by the bank they can't accept payments, then how did she expect you to pay off or settle the account?

lrhall41

Submitted by LCW on Fri, 03/31/2006 - 13:59

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Thanx I'll try that

thanx

lrhall41

Submitted by carli_anne23 on Fri, 03/31/2006 - 14:04

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Request for validation. CA must respond to your validation lette

Request for validation. CA must respond to your validation letter prior to start collection activities.

lrhall41

Submitted by stanley on Fri, 03/31/2006 - 17:09

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validation

hi stanley. above you stated that a CA must respond to your VL prior to start collection, though on other posts i've read they can even send a summons (which i presume is a form of collection) without a VL, or they can present the VL in court. can you explain please? thanks for your help.

lrhall41

Submitted by on Sat, 04/01/2006 - 05:36

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Hi guest2--I believe I was the one that posted what you're refer

Hi guest2--I believe I was the one that posted what you're referring to. Not that Stanley can't still put his input here (very smart guy--that stanley! :D )
I was stating that **in some cases**, although it doesn't happen every day, you may run into a smart @ss collection agency, that when you ask for validation, you get a summons at your front door--its their way of saying--you want validation, is this validation enough for you? and then they would have to present the validation to the judge once you prove to the judge that you asked for validation and didn't receive it. At that point, if collection agency doesn't have validation, its definitely in your favor.

lrhall41

Submitted by imkimssister on Sat, 04/01/2006 - 05:51

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Quote:above you stated that a CA must respond to your VL prior t

Quote:

above you stated that a CA must respond to your VL prior to start collection, though on other posts i've read they can even send a summons (which i presume is a form of collection) without a VL

They are not supposed to do this. They can only take you to court if you do not respond to their validation. Now, if they send you summon without sending validation, chances are it will go in your favor as Shirley said.

You must send your request for validation through certified mail; a verbal request won't work in court. Once you get the green card back, you have enough clues against them.
Quote:

very smart guy--that stanley!

I am flattered :lol:

lrhall41

Submitted by stanley on Sat, 04/01/2006 - 09:44

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