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Originally Posted by cncsiu
So after doing a little research I have found that my account was with a previous collector and this new collector has a name that resembles it may be a law firm. I am going to check when I get home exactly who they are and do a little research. If this is the first correspondence I have had with this collector, do I just need to ask for validation? Will that delay any possible lawsuit that they are threatening me with?
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Unknown in my opinion.
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Would they really sue me on a $2800 debt?
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I've seen "them" bring in witnesses for a debt of less than a hundred dollars. I think it was forty bucks. Assume you can be sued for any amount.
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I made an offer to pay $1700 lump sum today and they wont go any lower than $2591.
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Apparently they think you are good for it. That's too bad.
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What should be my first steps in handling this? I am going outside of my debt settlement company to try to get these scumbags off of my back.
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If you are talking about the original creditor, you borrowed money from them. Calling them "scumbags" is the same as them calling you a "deadbeat". It's all unfortunate. What you have is a business relationship, like Delta Airlines with its creditors.