A collection agency wants $85 from me on a 4 1/2 year old account that I swear was fully paid upon closure. Unfortunately my state's Statute-of-Limitations lasts 5 years. I have been reading a lot at this forum and others to educate myself about the DV letter process. However, just out of curiosity: how likely are CAs to initiate a suit for such a (for them) negligible sum? Is there a typical threshold amount beneath which CAs will simply not pursue beyond a first attempt to collect? That is: even if they respond to my DV letter with something quite threatening, could it be assumed that they're bluffing? I mean, why is $85 worth their time?
No rhyme or reason why they would sue for $85 unless their lawyers are law school flunkies who can"t get jobs with actual law firms. By sueing they're hoping to collect attorneys' fees.
Do you mean that they'd 'offer' me legal aid while collecting from me? Apologies if I'm missing the obvious; am new to this! And if there's little chance they'd sue, how far do forum-members think I should pursue the DV process?
Collection agency lawyers are the law school flunkies. They won't offer you legal aid, they're interested in making money by hassling/hounding you into paying.
