Here we go again...
Date: Tue, 08/10/2010 - 10:22
First of all, to everyone who helped me with my last go-around with Nelson, Watson, & Associates, I am pleased to say that whoever on this board suggested the free consultation with a lawyer in my area, it was a great idea! I gathered up all the information and sent it over to the attorney and got a settlement from N,W,&A that was paid out to me at the end of July! Thank you, again!
Okay, now I'm getting letters from two other groups concerning two separate credit cards. Now mind you, these are the only two credit cards I ever possessed and they are the only credit cards I ever WILL possess. One was a small gas card and the other was my Capital One card. N,W,&A were dealing with the Capital One card. The Capital One account has since ended up in the hands of Fred Hanna & Associates. I have read thoroughly about him on this site. I know he is slimy and will use back-handed methods to get me to admit to owing debt. However, I am prepared. I received the letter stating I had 30 days to dispute the debt and I'm going to send him a debt validation letter. I have yet to speak to him on the phone, but I found out today that he has been calling my parents in Pennsylvania who I've never lived with and I haven't lived in Pennsylvania ever. He's only left messages with my parents, they haven't actually spoken with his organization. Am I right in saying that he hasn't broken any laws yet, because he's never directly spoken to me? I mean, I realize that if he had called me first and then continued to contact them, then he was breaking a law because he knows where to reach me. However, it looks like other than the letter I received, he doesn't know how to reach me by phone. Can anyone advise on this and tell me what I need to know about Fred Hanna? I've already contacted my attorney again.
My second card, the gas card, was through Chase. My account was with Client Services, Inc. who I guess gave up on it. It's now with Capital Management Services, LP. I looked them up on this board, too. Any advice for dealing with them? I read on this site, also, that they are backhanded and these organizations don't believe that people are informed. I will also be sending them a debt validation letter. Any help would be greatly appreciated. Thank you!
I you have an attorney refer all communication to your attorney!
I you have an attorney refer all communication to your attorney! They will not contact you anymore after that! Let the attorney handle it! Most collectors, once they see you have an attorney will move on to an easier target!
The only thing about the attorney is the last time we fought, he
The only thing about the attorney is the last time we fought, he received his pay from my settlement. I never actually paid him anything out of pocket. I'm contacting him again because if we don't end up having to fight this out or settle it, I'll owe him and I don't have that kind of money. I'm just waiting to hear back from him on what to do. In the meantime, I will be sending out the debt validation letters to both organizations.
Oh, and I should mention that I contacted my attorney because Fr
Oh, and I should mention that I contacted my attorney because Fredrick J. Hanna & Associates is a well-known, evil lawyer in the state of Georgia where I live. In fact, he is in the county right next to mine. Oh joy! He's got lawyers in his office, but on his website it also claims he's a collection agency. I've read allll about him. His tactics are low-down and evil. I don't want to deal with him personally. That's why I've contacted the attorney again.
Hanna is the lowest of the low! It does not cost anything to use
Hanna is the lowest of the low! It does not cost anything to use your lawyer as contact info in a cease communication letter! Just tell him your are referring to him and not to proceed without telling you! Chances are once they see his name in your correspondence they will move to an easier mark! That has been my experience with using my Florida attorneys name and address!
Frogpatch, thank you. I will try that! That does make a lot of s
Frogpatch, thank you. I will try that! That does make a lot of sense. They will at least know that I HAVE a lawyer in mind, whether or not I contact him is my business! Any suggestions on what I should do with the other company?