i filed bankruptcy and all debt was dismissed then a company called bass and assoc said on one account that i filed under that they had right to property or payment,I live in florida i spoke too my attorney he said ignore them its been 5 months and they still call 3 times a day send notices to contact them and I wont i guess if they didnt contest then iam leagally free ????? how do i make them stop harrsssing if this is true? or is it??
2006-10-27 03:41:40 · 5 answers · asked by Quickmink 1 in Politics & Government ➔ Law & Ethics
This is one of the new big scams out there. These companies buy up "old debt" for pennies on the dollar, and then they harass you to try to get you to pay. Even if you paid a "reduced payoff amount" to the first collection agency that might have had it, they still try to con you into getting more money from the debt. If you don't ever admit that you paid it off at a lower settlement amount, they have no claim against you, but if you slip up and say you took the lower payoff, they can still try to get your money. There was a news story here on Yahoo or MSN not too long ago on this problem. If you filed bankruptcy, they shouldn't have any claim to get your money, if that debt was included in the bankruptcy.
2006-10-27 04:41:44 · answer #1 · answered by j.f. 4 · 0⤊ 0⤋
If there isn't a UCC-1 lien filed on the title from the creditor, it is an unsecured debt and technically they shouldn't be able to pick up the collateral. If there is a lien on the title, then you need to make arrangements for them to pick it up. If they call and you answer, ask them to mail you a copy of the UCC-1 lien filed and see where that goes. Usually they will stop at that point.
2006-10-27 05:02:57 · answer #2 · answered by koreangurl 2 · 0⤊ 0⤋
I filed as well and a few copanies still called to try and get money. Once I told them that I filed, they stopped. They are supposed to. If they are still calling, fax them or mail them the copy of your bankcruptcy, at least the part that has them listed and the front page. If they continue calling, tell your lawyer.
2006-10-27 03:55:01 · answer #3 · answered by JC 7 · 0⤊ 0⤋
no they cannot. some property your house and car for work is exempt. contact the ftc.gov for this sort of practice. you can ask them to stop calling your work or home if they do not you have legal option
read the fair debt collections act.
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2006-10-27 03:50:51 · answer #4 · answered by CCC 6 · 0⤊ 0⤋
There are laws against harassment from bill collectors. Call your attorney back and ask him where to report this person.
2006-10-27 03:46:58 · answer #5 · answered by beez 7 · 0⤊ 0⤋