Federal Law FCBA

Quote:

This statute packs a punch. Excellent. Even if the Creditor's billing is found to be accurate, if they violate the law they are strictly liable.

What about chiropractors? I am in the state of Virginia, and have a $1200 debt to a chiropractor. My mother also saw this chiropractor. Well, this chiropractor (and I use the term loosely here) hired a collection agency that fraudulently took money out of my parent's joint checking account for MY DEBT! We were able to see a copy of the "check" on our credit union's website and it wasn't one of my parents checks, but rather looked like another check had been pasted over their check. The only person I know of who could have had any of their checks was the chiropractor because both of us had paid with checks in the past. My father and I immediately had everything coming from this company (Rapid Recovery) blocked because we hadn't authorized the payments. Then we get a message from them threatening to take us all to jail! So I called them because the money they had tried to get from my parents account was for my bill. The person I spoke with told me that my parents and I had committed check fraud and would be going to jail. I told him we had not committed check fraud, that we had stopped payment on checks we had not authorized. He replied with, "well, then how did I get your account numbers then?" I said, "well, I don't know, but you didn't get them from me or my parents." He then told me the check copy looked strange because it was a so called check by phone. I responded with, "that's beyond the point, the check wasn't authorized by me or my parents." He just kept coming back with, well I have your account number so you must have authorized it. He was actually screaming at me and got me so upset that I was screaming back at him, which is very rare for me. What is my recourse here? The chirpractor had me taken to court, which I couldn't show up at because I had to work. (the court date was this past Wednesday.) Will I be taken to jail because I missed the court date? Will judgement be against me because I didn't show up? Will my wages be garnished? I have no idea what to do. I do owe this chiropractor some money, but I'm quite upset that someone got into my parents checking account for a bill that I owed. (Rapid Recovery actually got our accounts confused and put the amount I owed under my mother's name and vice versa.) Any advice? Do I have any legal recourse because Rapid Recovery or Town Center Chiropractic took money out of my parents (and also tried to take some out of my account too, but they had been blocked by that point.) account illegally? Any advice would be greatly appreciated.

Thanks,
Kelly (fthflshp)

you has the right to been listened for the judge, and provide to him her the proof for the fraudulent check that the chiropractor did to you, ASK TO THE JUDGE FOR THE BILL OF THIRD PART AND TELL HIM O HER THAT YOU ARE NO SURE THAT THE AMOUNT IS CORRECT.
GOOD LUCK