man calling saying hes a lawyer part 2?

Question

OK I asked this yesterday and I got a lot of good responses.
I got a call from a man from a comp. called CCS and he threatened me with a law suit because I owe a bank money from my credit card from there. He demanded payment or I would be served from the police that very day - so I gave him my checking account info and he said it better not bounce or else!
So I called my bank and they were all flustered and sent me over to the credit card comp I was part of before all of this - they said my account was sold to a creditor but with a completely different name (I think it was called sherman financial) anyways I asked him what I should do and he said I have to pay them now (deal with them ) and to call the creditor ppl.
should I still stop payment on the check? i'm afraid to and I looked at my account online and its still ok . could he really sue me?

Answer 1

He was making empty threats. First, he could not have had you served that soon. Second, he cannot demand you give him your checking account information.

First, cancel the check.
Second, find out who in your state regulates collection agencies.
Third, next time he calls demand his name and address. Confirm that he claims to be an attorney. Then check with the bar association to see if he really is an attorney. If he is not, file a complaint with the state. If he is, file a complaint with the bar association.
Fourth, do not threaten or argue with him in any way. Refuse to discuss anything until you seek legal advice and tell him that. Tell him to put everything in writing.
Fifth, take extensive notes.
Last, send him a letter, return receipt requested telling him to only contact you in writing and not to call you ever.

You should pay your debt. However, he was acting illegally and should be put out of business.

Answer 2

First, stop payment on the check, you don't know who this guy is. Second, call CCS, request written proof that you owe the money, if they did buy your debt, they will have your original credit card application or other evidence that show you owe money to the credit card company. Request that they mail this evidence to you. Once you receive the evidence, and if everything is in order, call CCS and tell them you don't have all of the money right now, but that you want to arrange a payment plan. Usually, they will be more than happy to work with you, as long as you communicate with them. If you have, say 70% of the total debt that you can pay immediately, ask to settle the entire debt for the lessor amount. Sometimes they are willing to accept less money, rather then wait for payments. Make sure you get everything in writing, so that once you pay/settle, you have evidence that you no longer owe the money. Many times the local courthouse will have info on free legal advice from a local organization, so try that also. Good Luck.

Answer 3

Wow, this can't be said enough, never give out info over the phone! If they're legit, you'll get it in the mail. Since you have doubts, cancel it! Better to pay for a stopped check, then to be out that money to a scammer.

You gave them your checking info, they could make a check for any amount!

Yup they could sue you. But if the amount is less than say $1000, it isn't likely.

Cancel the check, call this sherman financial and make payment arrangements with them. If you're paying someone for this account, you can't be taken to court over it.

Answer 4

In the legal world, if someone's going to sue you, and they're a legitimate company or corporation, they send a written demand notice first.

But, you should *never* give out your bank routing number and account number to anyone you don't know! Gosh...sort out who's calling you, figure what you owe, and to who you owe it to, and then, once you know who to pay, and how much to pay, then start writing out checks.