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Not only did this firm threaten to jail me if I did not pay on a debt after not sending a statement, they garnished my primary checking account. Is this legal?




What type of card was this? Store card or bank card? Store cards would have a 4 year SOL and bank cards a 5 year SOL. The case law that supports the 4 year SOL is PORTFOLIO RECOVERY ASSOCIATES, LLC, Appellant, v_ PAUL FERNANDES, Appellee_ Circuit Court, 15th Judicial Circuit (Appellate) in and for Palm Beach County


Did you make any payments after it was charged off? Does your credit report show the DOLP? Definatley respond to the summons and compliant. You have an affirmative defense of SOL but you will have to prove when the last payment was made.

Sub: #11 posted on Mon, 03/09/2009 - 09:58

NASCAR_Devil NASCAR_Devil
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(Posts: 4671 | Credits: )

i signed an agaeement with this collection agency (Hyat Hyat & Landau) I could not afford an attorney to help me. I am 66 I owed Capital One Bank 5,045. back in 06 -07 - went into collection. i haave neem paying 150. from 1/07 to 4/09 and i got a printout from them and it says my balance is 6 grand....including court chgs. lawyers fees, etc. 18% on charge card. instead of this going down b elow 5,045. i owe 6grand. Help me.....where is this 150 per month going? how can a debt being paid go up instead of down....I am on SS only. and I am very confused. Thank You.

Sub: #12 posted on Fri, 04/17/2009 - 17:30

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HAYT,HAYT AND LANDAU ARE NOT A LAW FIRM--THEY ARE DEBT COLLECTOR'S--THEY BUY DEBTS FOR 0.03 CENT ON THE DOLLAR--MAKE YOU GO TO COURT AND HOPE YOU DON'T SHOW--NO SHOW THEY WIN--BIG RIP-OFF COLLECTOR'S-- CAN'T GIVE MY NAME
GOING TO COURT TO WIN.

Sub: #13 posted on Mon, 06/08/2009 - 11:46

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I have a trial date set with HY&L for an old capitol one card. They sent me cc statements from 4 years ago but I honestly don't even remember opening this account. What should I do? Of course they are suing me for an amount that's almost triple to what the noted credit limit is

Sub: #14 posted on Mon, 06/15/2009 - 15:30

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this is not a law firm. none of the names associated with this cesspool show up as members of any bar

Sub: #15 posted on Mon, 06/15/2009 - 16:30

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but i am actually looking forward to making them look foolish. they picked the wrong person to try to extort, i work way too hard for my money to just hand over to these criminals.

The best part is that i am going to hire this attorney that despises these guys and just wants to bury them!

Sub: #16 posted on Mon, 06/15/2009 - 19:28

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Excellent! The best of luck, and please keep us posted!

Sub: #17 posted on Mon, 06/15/2009 - 23:30

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

I RECEIVED A PHONE CALL FROM THIS AGENCY TODAY STATING THAT I LOST A JUDGEMENT . THAT THEY WANT THEIR MONIES TODAY. THE JUDGEMENT OR A HEARING TOOK PLACE IN ANOTHER COUNTY. I DID NOT ATTEND I AM NOT SAYING THAT I WILL NOT PAY THIS DEBT, HOWEVER I CAN NOT AFFORD TO PAY 1, 074.00 DOLLARS TODAY. THEY WERE VERY INSULTING TO ME STATING THIS IS WHY THE ECONOMY IS IN THE SHAPE IT IS BECAUSE OF ME. I WILL NOT TOLERATE BEING SPOKEN TO IN THIS MANNER, THEY SAID THEY ARE GOING TO SEND A SHERRIF HERE TO SELL OFF MY GOODS TO EQUAL 1,074.OO.. I GUESS I MA GOING TO HAVE TO CONSULT AN ATTORNEY... I HAVE NO RESPECT FOR THESE PEOPLE, YOU STILL SHOULD BE ABLE TO MAKE A PAYMEWNT ARRANGEMENT, WITH TODAYS ECONOMY I AM SURE I AM NOT IN THIS ALONE.. I SHOULD HAVE FILED A BANKRUPTCY, IT WOULD HAVE BEEN EASIER THAN TO TRY AND PAY A SMALL AMOUNT THAT IS GOING NOWHERE

Sub: #18 posted on Thu, 06/18/2009 - 12:23

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If anyone sues you, it must be in the county that yiu reside in. They are just telling you this to scare you.

Sub: #19 posted on Thu, 06/18/2009 - 12:27

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I recently received a summons to appear against HH&L with no court date. I sent a dv letter to the court and the plaintiff. I did not, however, send it certified. Should I have sent it to the clerk of court and did I mess up by not sending certified?

Sub: #20 posted on Thu, 06/18/2009 - 19:00

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