Lazer Lending/William G. Sokol Attorney
Date: Tue, 09/14/2010 - 10:38
I received a call from the law offices of Wm. G Sokol and spoke to a Mr. Brown regarding a payday loan from Laser Lending/DJAT that I stopped the ACH on due to the ridiculous fees. He stated that I owe over $1000 on a $300 loan but that NCA would settle for $510. I never received a letter from NCA stating that the account was in their collection agency...don't they legally have to do that? He stated it ws sent by email. Mr. Brown began his conversation with threats of a lawsuit, wage and property garnishment. I explained the California PDL laws and told him that was only obligated to pay $300. He argued with some legal terms and I fought back with my rights and legal standing as a consumer. He put me on hold 2 times and then fumbled and agreed to the $300. although I did not give bank or debit info I did make payment arrangements for the balance. I am now thinking I should have not done so until I had validated the debt. Can I send DV and C & D letters to both NCA and Sokol's office even after I made arrangments? What else can I send to NCA for not notifying me the account was in there collection office? Do I have a legal ground to stand on? I do not want a lawsuit against me. Help!
You should NEVER admit to owing a debt to a voice on the phone!
You should NEVER admit to owing a debt to a voice on the phone! Just tell them to send you a dunning letter via the mail, it's a federal law (FDCPA) that a third-party collector send you a letter of collection within 5 days of their first initial contact with you. If and when you receive said letter, at that time you will have 30 days to request they validate the debt, but you will probably never receive any letter. You REALLY should file complaints against them with the FTC, BBB and your attorney general's office, it is very important that you follow through with these complaints.
