It surely feels like a threat. From a collection agency in Florida, Received today. "You have not disputed the debt, therefore, it is assumed that you owe the money and do not intend to cooperate. If we have not done so, we will now evaluate the case for suit by taking such steps as obtaining credit bureau reports and searching for assets to determine whether you will have assets upon which we can make levy and cause to be sold on the courthouse steps. Such investigation by us will drastically affect your "beacon" score and will adversely affect your ability to obtain future credit." "If you will agree to make monthly payments, I will ask my client to accept the payment in order to assist you." blah blah blah, above From James F XXXXXXXX, P.L. is P.L an attorney? can they or anyone threaten me like that? help!!!
It's well written. It's full of possibilities, all of which COULD happen. They will have to get a judgement before they can levy and seize assets, and if you've got assets like that, you should have an attorney. If this is debt is less than $2k, it's all hot air. They could go for a judgement, but even then, if you let them know you'll fight, they won't bother. It's time to shoot off a validation letter. Read up on validation and don't speak to them on the phone. Limit all communication to writing.
of course it seems like a threat..that is the way these slimeballs operate, and want you to think However, nothing they say in the letter appears to violate any law. They have worded it in the realm of "possibilities". That is not illegal!
Is this the first you have gotten from ? If so there are several violations in it . Better get that validation letters and start feeding the rope to hang them.
How should they operate? All they know if you do not contact them is you are not paying. They do not know about your circumstances. Bill collectors do not make $$ by writing sweet, loving, caring, considerate letters. His job is to get you to pay what you owe. A lot of problems could be solved by a simple letter or phone call offering reasonable payment arrangements (by that I do not mean I will pay u $1 a month for 2000 months).
Letters from Atty's. Need to know some stuff Mozart. 1) Is it hand signed? 2) Has the atty. been "authorized" to actually sue from the OC? 3) What state were/are you in? 4) How old is the debt? When did it get charged off? 5) Is the atty. licensed in both his domicile state and the state you're in? 6) How much is it for? 7) What kind of debt is it? 8) Is the Mini Miranda included? 9) Is this the FIRST notice? 10) Is it on your CR?
Re: Re: is this legal or a threat? In Louisiana, P.L. can also stand for professional law corporation.
Re: Re: Re: is this legal or a threat? Not always. Like I said, if people would not ignore their bills when they have issues, some of the collection activity would never happen.
1*All they know if you do not contact them is you are not paying. 2*They do not know about your circumstances. Bill collectors do not make $$ by writing sweet, loving, caring, considerate letters. 3* His job is to get you to pay what you owe. 4*A lot of problems could be solved by a simple letter or phone call offering reasonable payment arrangements (by that I do not mean I will pay u $1 a month for 2000 months). rocket1977 ================= 1*They should also know there is some reason why. 2*And don't really care either. 3*Nope it's to get you to pay wither you owe or not. 4*On un validated claims no thanks. """""""""""""""""""""""""""""""""" ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Not always. Like I said, if people would not ignore their bills when they have issues, some of the collection activity would never happen. rocket1977 """""""""""""""""""""""""""""""""" It's not ignoring the bills it's CRAs OCs and CAs ignoring the issues. """"""""""""""""""""""""""""""""""
