What does "prelegal" mean anyway

Sounds like more vacant threats from another illegal collection agency...

Sounds like more vacant threats from another illegal collection agency...It probably means...
"We don't know how else to extort money out of you so we just called to illegally threaten you and try to scare the hel_l out of you in the process"

Would you fax them a Cease and Desist letter if you had their fax number followed by a certfied letter stating the same?

I would personally.....I sure would not talk to them via telephone

well last time I talked to him......he hung up on me.....

And how professional is that? LOL Why bother even answering the phone or calling them back?

Tweety if they cannot validate,they can take a big leap from the nearest pond far as I am concerned.

Canjun- I just PM'D you...........should I send a fax cease and desist? this is the company that sent me the fax with just my name address - account number is just my SS# telling me what I owe for a loan with National Money Store.....Greg Patton is going to close my investigaion tuesday!

tweets calm down hun! There is no investigation on you!

Tweety,on your last topic I told you what I would do.Get their physical address from the Texas Attorney general when you file your complaint and send Full C&D by certified return receipt mail. You may fax if you desire but make sure you do the mail too so you have evidence if you have to go to court.

That's just a tactic Tweety. I would have said , "so what?" if he'd told me that. Not to mention, if you are in Texas, I believe they would be rather limited in what they could do even if they had a judgment.

Send them a partial cease communications letter telling them that you will only communicate in writing.

Yeah, what Leah said. Calm down, they aren't investigating you. They have just run out of scare tactics and this is their latest line.

I have an idea. Quit looking for ways to sue collection agencies and pay your bill.

I'd love to see a collector come up with a new tactic . . . if only to break the monotony. Can't these folks come up with something better than variations of the old "If we don't have your payment by 3PM, the police will be at your door by 5PM" crap.
When I got into payday loan hell it's all I heard. I had committed "internet fraud," "check fraud" and every other kind of fraud there was. These lenders, who must be the village idiots, tried to convince me that they had conducted these thousand dollar investigations to collect $300 debts, had the police and the US attorney in their pockets and only needed to make one phone call to destroy me and my family.

But in the end, all they could do was call over and over and act like the little bitches they were. No one ever came to the door, no lawsuits ever got filed and nothing ever showed up on my credit report. In the end, I paid off the ones that acted decently when I got my tax return, told the others to go to hell and never looked back. That was two years ago.

Guest number 1, I'll continue to look for ways to sue unsavory collection agencies.

Guest number 2, good post.

Here's an idea guest, why don't you CA's start following the laws and maybe you will not get sued.

Amen to that, LawStudent and ramj70. These places would not have to be so paranoid and waste their time on forums such as these if they would just do their job and follow the laws while they were doing it instead of using illegal threats and tactics to squeeze money out of people by intimidation.

I agree with what Lawstudent and ramj70 said......Thanks all for the great advice....I have a moment where I was in a panic mode!

I think that we all have those moments, tweety. It only takes one collector to make us forget everything we have learned here but luckily we have our friends here to calm us down. :)

I know. I'm just worried that a CA will sue me........I dont like hearing the word "investigation" and prelegal......

Neither do I! I actually worry about it on a day-to-day basis. Prelegal really scares me even though it probably is nothing more than a threat. A couple months ago we got a call from a CA that left a message saying they needed us or our lawyer to contact them. You better believe it got me on the phone real quick. And all it was was a CA calling about some medical bills.

There is a saying that knowledge is power.Please read the fdcpa so everyone knows what they can and cannot do.I have a attitude to sue every one of them since they have no concept of how to do their job legally.

What they are counting on is people not knowing their rights and being so scared that they will do anything to make it all go away--even pay what they do not owe. And to the person who said just pay their bills, I say, great--but I will not pay a penny of what is not mine. Anything more than that is extortion.