$30 hot check from Feb 2008
Date: Fri, 01/28/2011 - 18:42
The letter threatens law enforcement agencies are being contacted.
What happens when a hot check is not ever paid, and a collector tries to collect and threatens?
Can my daughter be sued, or fined, or jailed?
We live in WA......but now, she moved away to another state.
Hi! Welcome to the forums! There is no need to panic. Under FDCP
Hi!
Welcome to the forums!
There is no need to panic. Under FDCPA Act, the collection agencies can't threaten you when collecting a debt. So, you can sue them for violating the laws. There is no need to pay any fees or any penny until the debt is validated. But if she really owes some money and the Sol period has not expired, then the CA can sue your daughter.
Collection agencies can demand their monies from the borrowers b
Collection agencies can demand their monies from the borrowers but they cannot threaten your daughter for the dues. Threatening or harassing calls from the collection agencies is against the FDCPA rules and guidelines.
Your daughter should ask the collection agency to validate her debt. This will help her know whether or not they actually own her account. If they don't own your daughter's account, then they can't collect the dues. In that case, your daughter can sent them a cease and desist letter and ask them to stop calling her any further.
Quote:If they don't own your daughter's account, then they can't
Quote:
If they don't own your daughter's account, then they can't collect the dues. |
Huh??? If they have been assigned the debt, of course they can collect the debt!
Most states in this country have state limits and penalties for how much can be assessed for a bounced check. In some cases, a hot check can be turned over to the authorities for legal action as it is a chargeable offense.
