Melissa
Date: Wed, 05/05/2010 - 17:56
I got a call from Hnbc bill collector and she said on the recorder that this recarded by property on my street (address) and the way she made it seem is that she could take my home. I called and it was a man and he said that this was for a client and it was 1000 bucka tec and they were offering a settlement and if I did not settle they would serve papers. NOW I know I owe this CREDIT CARD vut could they take my home for that??
Is the credit card a secured one,like is the card attached with
Is the credit card a secured one,like is the card attached with your home,If not they cannot take your home way.They might be giving you threatening calls so that you pay off the debts.If you do not know how much amount you owe on the card then call up the company and ask for a validation letter.
Have you ever received a letter of collection via the mail ?
Have you ever received a letter of collection via the mail ?
Quote:Originally Posted by ShazzersHave you ever received a lett
Quote:
Originally Posted by Shazzers Have you ever received a letter of collection via the mail ? |
Not from this place I dont think.
Quote:Originally Posted by wildkat4510Not from this place I dont
Quote:
Originally Posted by wildkat4510 Not from this place I dont think. |
The next time they call, tell them they have 5 days after their first initial contact with you to send a dunning letter (letter of collection) via the mail, that is a federal law (FDCPA), if they do not send you one and continue to call then file a complaint against them for not complying with the law, file with the FTC and BBB, the complaints might prove useful for you in the future if they should file suit against you.
Well, credit card companies can put a lien on your home but that
Well, credit card companies can put a lien on your home but that is a lengthy legal process. Moreover, not all states allow creditors to put lien against property. Do as Shazz has suggested and you would be fine.
