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Letter from attorney

-SD-

-SD-

EXT ELITE ROB
Chairman Member
Has anyone ever gotten a letter from an attorney for the collection of a debt (less than 2K)? What happens if you blow this off?
 
Im in texas, lawyer is in jersey which i thought strange. Its a old debt I may or may not owe not really sure. either way im telling them to fuck off.
 
superdave said:
Has anyone ever gotten a letter from an attorney for the collection of a debt (less than 2K)? What happens if you blow this off?
Click to expand...

If it's been turned over to collections the damage is done to your credit report.

Best knot to deal with a collector at all.

In Louisiana the SOL for unsecured debt is 3 years after that there's no legal recourse.

Statute of limitation for credit card debt, all 50 states

If you deal with the creditor and promise payment you can restart the clock.
 
If it was served to you and usually you have 30 days to comply and if you dont then they put a judgement against you or either take you to small claims court.
 
bigtravis said:
If it was served to you and usually you have 30 days to comply and if you dont then they put a judgement against you or either take you to small claims court.
Click to expand...

that won't cum from an atty ... it will cum for the Clerk of Courts office
 
Some attorney offers to put his name on collection letters for some extra cash. Big deal. Ignore it.

Agencies have found out more people get scared and pay up if the letter says "Jacoby, Myers and Swinlde llc" then if it says "american recovery agency"

c
 
If it's > 4 years old tell them to hang two lefts and fuck right off.
 
Everyone is out of a job now, it doesn't surprise me you got a letter from an attorney.

Ignore it and he will sue then you will be in court. Ignore that and he will get a default judgment. Then he can simply put a lien on your house or car, or whatever.
 
Army Vet said:
Everyone is out of a job now, it doesn't surprise me you got a letter from an attorney.

Ignore it and he will sue then you will be in court. Ignore that and he will get a default judgment. Then he can simply put a lien on your house or car, or whatever.
Click to expand...

or if you're unemployed and don't own dick ...
 
Army Vet said:
Everyone is out of a job now, it doesn't surprise me you got a letter from an attorney.

Ignore it and he will sue then you will be in court. Ignore that and he will get a default judgment. Then he can simply put a lien on your house or car, or whatever.
Click to expand...

u mean a court served letter right? you can't get a default judgment from a private letter yo!

c
 
Sittin and starin out of the hotel window.
Got a tip theyre gonna kick the door in again
Id like to get some sleep before I travel,
But if you got a warrant, I guess youre gonna come in.

Busted, down on bourbon street, set up, like a bowlin pin.
Knocked down, it gets to wearin thin. they just wont let you be, oh no.
 
bakemeacookie said:
u mean a court served letter right? you can't get a default judgment from a private letter yo!

c
Click to expand...

"Ignore it and he will sue then you will be in court."

Of course not, as I stated, ignore the attorney's letter, then he will take you to court, ignore that, and then comes the default judgment. You reading skills are decreasing. Start with this:

TKTRFD_cover.jpg
 
Ive heard they use this tactic on cnn. Collection agencies are going outta business cause they usually collect from the ones who've been hit by this econmoy the hardest.
 
Army Vet said:
ignore the attorney's letter, then he will take you to court
Click to expand...

yeah, prob knot

it's just a collection agency scare tactic, again with SD being uunemployed ... if he doesn't own any real property my bet is they won't go after him for less than $2k.

it's possible, just doubtful
 
Army Vet said:
"Ignore it and he will sue then you will be in court."

Of course not, as I stated, ignore the attorney's letter, then he will take you to court, ignore that, and then comes the default judgment. You reading skills are decreasing. Start with this:

TKTRFD_cover.jpg
Click to expand...

Eggxactly . Until the court letter comes (99% chance it won't) ignore stupid lawyer, run through an word 2007 plugin, letters.

Too easy. I could pay a lawyer here $50 to send you a letter too threatening to sue you for not worshipping my e-awesomeness.

c
 
Send him a cease and desist letter via certified mail with a tracking number. Tell him you are reporting him to your State's Consumer Credit Office for violating your rights under the Fair Debt Collection Practices Act.
 
Thing is, they can keep selling the accounts to other collection companies. I see a ton of credit reports that show something from cap oneor whatever and they've been sold every 2 years.
 
Move to Alaska. Nooooo one will fly out there, file papers, fly back, wait til fcourt date, organize arguments, fly back, stay in hotel, rent car, show up in court, get $5k in judgment, fly back, contact agency to try to get money from you from your paycheck.

c
 
jnevin said:
Thing is, they can keep selling the accounts to other collection companies. I see a ton of credit reports that show something from cap oneor whatever and they've been sold every 2 years.
Click to expand...

if it's reportable, and an attorney is involved, then it's already been reported. . .not sure? pay $15 and get a report from experian and find out. nothing there? no worries.
 
digimon7068 said:
if it's reportable, and an attorney is involved, then it's already been reported. . .not sure? pay $15 and get a report from experian and find out. nothing there? no worries.
Click to expand...
^^^This

Then, if there's nothing there, this:

gotmilk said:
Send him a cease and desist letter via certified mail with a tracking number. Tell him you are reporting him to your State's Consumer Credit Office for violating your rights under the Fair Debt Collection Practices Act.
Click to expand...
If there is something there, then report back and EF will fix that for you, too.
 
bakemeacookie said:
Move to Alaska. Nooooo one will fly out there, file papers, fly back, wait til fcourt date, organize arguments, fly back, stay in hotel, rent car, show up in court, get $5k in judgment, fly back, contact agency to try to get money from you from your paycheck.

c
Click to expand...

Process serving is contracted out locally, they just hire an Alaskan process server to serve it, yo.

You think people drive from Texas to NJ to serve papers, yo?
 
Lumberg said:
Process serving is contracted out locally, they just hire an Alaskan process server to serve it, yo.

You think people drive from Texas to NJ to serve papers, yo?
Click to expand...

That's the easy part. The real cost is filing beforhand and travelling with a lawyer to some remote town afterwards, you can't just serve people for fun just to scare them.

c
 
bakemeacookie said:
That's the easy part. The real cost is filing beforhand and travelling with a lawyer to some remote town afterwards, you can't just serve people for fun just to scare them.

c
Click to expand...

You can serve through certified mail I believe. And a lawyer doesn't have to serve you. When I had my ex served I used a constable. Cost $70.
 
I know attorneys who will take cases for small claims court. IMO it could be just a threat but I would just man up and pay the bill!
 
digimon7068 said:
if it's reportable, and an attorney is involved, then it's already been reported. . .not sure? pay $15 and get a report from experian and find out. nothing there? no worries.
Click to expand...

agreed ... butt at the 7 year point it is supposed to fall off of your CR.
 
PICK3 said:
In that case there's nothing to take care of

Just shit can the letter, the debt is way past the SOL
Click to expand...

I didn't read the whole thread, but I wouldn't risk anything having to do with my credit.
I guess it also depends on your situation, but 2k doesn't seem worth it.
 
HugeLifter said:
I didn't read the whole thread, but I wouldn't risk anything having to do with my credit.
I guess it also depends on your situation, but 2k doesn't seem worth it.
Click to expand...

if a debt has been turned over to collections the damage to your CR has already been done

if the debt is 7 years old paying it off doesn't make any sense because it shouldn't be reported on your CR

2 options at this point:

1) send a cease & desist letter
2) shit can the correspondence
 
PICK3 said:
if a debt has been turned over to collections the damage to your CR has already been done

if the debt is 7 years old paying it off doesn't make any sense because it shouldn't be reported on your CR

2 options at this point:

1) send a cease & desist letter
2) shit can the correspondence
Click to expand...

You are probably right, but I would still just let my lawyer deal with it.
This is one of the few times that I think qualifications matter. It is just good for the peace of mind and to make absolutely sure, IMO.
It will be very cheap if there is nothing to worry about.
 
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