Someone just called on my friends cell phone concerning a 3 near old debt from a car loan. She threatened me?

Question

She said that she was from a collection agency and said I would be forced to pay a certain amount. She also stated that I work somewhere that I dont . She was very rude and informed me that this debt was more important than any other debt including my children . I am pissed . She wouldn't even tell me the amount. What do I do ? She said there was a judgement out on me how can I find out .

Answer 1

The caller made a grave error in judgment. It is against federal law to harass or threaten a debtor. You have a right to be treated with respect, no matter what the circumstances.

You can go to the Court House and check in the department for civil suits. They must tell you if you have any judgments against you and who is bringing the suit. Then you can contact the entity that is bringing the suit and make whatever arrangements are necessary. The civil suit for debt recovery must be filed in the court nearest your residence.

At the same time, you will be able to see what collection agency is handling the account and contact them. Notify them that their employee is putting the agency in a position that could lead to legal problems for the agency.

Hold your ground but do it in a classy manner, without yelling or cursing. You will win the respect and cooperation of the court.

***** I see where people are advising you to ignore the caller. That is an unwise move. By ignoring the caller, you are giving the company that is attempting to collect money, the go ahead to take you into court, where your actions will have a negative effect.
in the eyes of the court. By making attempts to resolve the matter legally, you stand a better chance of compassion from the court.

If you do owe the money, the court will assist you in making arrangements to pay it in amounts that you can afford. By ignoring the matter, hoping it will go away, you can be forced to pay monies owing from past missed payments, all at once.

If you have more questions, contact your local Legal Aide office. They have sliding fees for clients.

Why did they call your friend's cell phone and not yours?

Answer 2

1

Answer 3

You say: "She threatened me"
In everything you wrote you did not list a single threat that she made.

What did she say to threaten you?

It sounds like there is more to this than you are telling.

Why was she calling on your "friends" cell phone?

How did she get your "friends" cell phone number?

There is no such thing as having a judgment "out on" you.
They can get a judgment "against" you.
In a civil case if you fail to show up in court the judge can put out an "attachment" for you. (an attachment is equal to a warrant in a criminal matter)
(I know this from having served attachments on people as a former police officer)

You wrote: "She also stated that I work somewhere that I don't."
Did you work there at any time?

You did not say the debt was not valid, so why have you let this debt go unpaid?

There are two sides to every story and you are only telling your side, and making her out to be the bad person, you say she was rude and threatened you, but you do not list an example of either.

I am not buying it.

EDIT:
A judgment is NOT a warrant!

Answer 4

Send in for a credit report or go on line to check your credit score and to get a copy of your credit report. Did you get her name and or phone number of the business that she supposedly worked for because she can't talk to you like that if she values her job. Nothing is more important then your kids. Also why pay a 3 year old debt when you have NO IDEA what you owe.
Hopefully everything works out for you though.

You can also call your local police department to make sure that there isn't a warrant out for you arrest. Because a judgment could also be a warrant...and you definitely don't want that

Answer 5

If it has been 3 years then do nothing. If there is a judgement don't worry about it. A judgement will come off you credit after 7 years from the date of the judgement and the default on the loan comes off 7 years from the date of the original default. If you pay anything on this it will be 7 years from the date of last activity. It is better to ignor it.

Answer 6

He is probably charged with a class A misdemeanor, driving while intoxicated. The fact that they never read him his rights means nothing. They only have to read him his rights if he is in custody and being questioned. The breathalyzer results were obtained without questioning him (implied consent), implied consent covered the blood sample too (no illegal search or seizure). The case against him is a prosecutor's dream ... conviction almost a certainty! What should he be doing now? Hiring a lawyer that specializes in DUI/DWI defenses. Get a bus schedule, a new pair of hiking boots and the phone number for cab services in his city, he is probably going to lose his driver's license in court. None of the evidence will be excluded, plea bargaining a DWI charge is almost impossible in most areas. Your friend is in a very bad position ... if your friend goes into court without a lawyer, they are proving them self to be a fool!

Answer 7

i would ignore the caller...if they would not provide you with anytype of information regarding amount. and for exactly what it was more than likely a false call..prank or someone trying to piss you off...what i would do is check with any place you may had a loan and see if there is a balance also check you credit report for any active loans...could be identity theft. and if you are able to track this to someplace and in fact you are liable..i would raise hell with the place about the phone call.....and as it being on your friends phone...there no way the debt is real...call the number back if ya got it...tear them a new one...

Answer 8

What do you mean by a judgement? A warrent or a court order maybe? Well, if you never worked at this job then either they have the wrong person (maybe with the same name) or identity theft. I would either call this place up, try to find information on them, or maybe go to the police station and tell them you are concerned about this call you got.

Answer 9

Somebody has probably owed someone else some money for a long time and they're using an old or incorrect cell phone number. (When someone cancels or defaults a cell phone account they recycle the number very quickly.) I'd ignore it unless you continue to be bothered or they know your name or address and then report to the authorities immediately.

Answer 10

if you actually have the debt, then i would try to talk to someone, like the person the debt goes to. this woman seems kind of sketchy, espicially calling a cell phone. i'd check into this one a little bit further.