Being harrassed by Harold Scherr & Associates
Date: Wed, 02/21/2007 - 07:43
I sent them a letter that I found online a while back requesting exact charges showing how it ended up being that high and that I did not want to be contacted by phone at all until this information was sent to me. I didn't hear from them for 2 months. Then they eventually called back basically saying that the letter I sent them didn't mean anything and that I have to pay the full sum immediately or I would get sued.
Well it's been like 4+ months since the "sue threats" came, so I'm really not that worried about it, but I want to get it off my credit....or at least I used to.
I pulled my credit last week and this debt is nowhere to be found on it. Household bank is showed as a zero balance. So why the hell should I give a dime to these people claiming I owe them 3 grand? I realize Household Bank charged off the account, but according to Experian, I owe Harold Scherr absolutely NOTHING.
So how should I handle this? If they can prove that I owe that much I'll pay it, but they haven't done that yet. I want them to stop harassing me, they are starting to contact my family too.
Any advice is appreciated.
The reporting from Harold Scherr in your credit will be legit on
The reporting from Harold Scherr in your credit will be legit only if they are able to verify the information you already disputed. You should check the original contract signed with Household Bank and know the collection fees when your account remained in default. Basically, all charges are listed in the contract and the CA's must act accordingly. You should also about the permissible charges with your state AG. Every state has a fixed collection fee.
Don't be worried about getting sued. They have failed to give you the information earlier requested. Your receipts and copies of the letters will come up as an important proof in the court. I hardly believe they will ever take you to the court. I don't see them having any leg to stand on otherwise they would have sent you the verification in writing. It's really important that you pay to that company only having your debt info. Don't end up paying to the wrong people who wanted to pocket your money.
HSBC will sue you in a heartbeat. They did me and I was in a co
HSBC will sue you in a heartbeat. They did me and I was in a consolidation program with a signed proposal.
HSBC sold your debt, so it's showing as a zero balance on your c
HSBC sold your debt, so it's showing as a zero balance on your credit report. Your credit report should also state that the debt was sold/transferred to a different lender.
You should send them a letter explaining you would like the bill of sale from HSBC to Collect America (the company that actually owns your debt) and information about when the debt was placed in their office, how much it was, how much interest has accrued, and what the interest rate it. They will not be able to provide you with statements showing how your balance got as high as it is but they have to provide the cardholder agreement in court which will state the applicable fees that have been applied. Also, if you ask quickly enough, they can get the charge off statement.
If you didn't respond within 30 days of the original dunn letter, your dispute is not valid.
They will sue you for this, its only a matter of time. And they won't be waiving the interest.
This was a 2 1/2 year old thread.... And they will most likel
This was a 2 1/2 year old thread....
And they will most likely *not* send a Bill of Sale unless forced to in a court of law through the process of Discovery.
And the 30 day dispute period is to the collector directly. You can dispute it through the credit reporting agency at any time.
Other than that, good info!
