Collection dept. claiming to be a lawyers office?

Question

I need some help here...any resonable advice would greatly be appreciated. I am in debt with a credit card. Collection agency called today claiming to be a law firm...is this legal? I know they arent a law firm because i kept grilling the female on the other end and finally she said she was an assistant to the collection agency's legal department...I do want to pay my debt, I made it, I owe it...but does she a any right to tell me these lies?

Answer 1

Need a lawyer my backside...punch up 'Federal Debt Collection Law" read it.. write a nasty letter demanding they quit harassing you, then send a letter to the principal card account advising their agent has violated federal law in their attempts to collect... demand the names of those in their firm to be involved in the civil action... do not accept phone conversations, keep everything in writing... Watch the tapdance.... keep me posted...

Answer 2

Yes, it is legal, and called a reassignment of claim, those lawyers and other collection agencies, has brought your debts for let's say 40 cents on the dollar value of your debt. They will make every effort to collect this claim, which at times ended up in court, with the "ower" now paying their debt, court fees, and the fees of the opposing law firm, not to forget your own. You can usually negotiate to pay less of your bill, because of my aforementioned, and they(collectors) will probably make you pay something in the access of 65 to 70 % of the bill, thus, making a profit in this financial arrangement for themselves, and you having the opportunity to clear your bill for less, and fix your credit rating.

Answer 3

Credit card companies hire law firms for collection purposes so that that debtors will be harassed. Anyway, just tell them to give you notices for payment or a demand letter. Afterwhich, you must pay and need not be afraid of the law firm.

Answer 4

I had a similar problem. Hospital screwed up my address so they sent me to collections. They had my correct phone number but never bothered to call for correct address, but I won't go there because I still get really mad. The collection agency basically has the right to tell you whatever they can to get you to pay. They work on commission so they really don't care about anything but setting up payment. The rep that called me kept talking over me and would not listen to me. I finally hung up on her and called the hospital. They apologized and set up a payment plan. You might try calling the credit card company. Throw yourself on their mercy. Tell them what you accept responsibility and would like to set up payment. Ask if they would consider lowering your interest as long as you make consistent payments. Be real nice because they are more likely to work with you. I wish you luck.

Answer 5

It's a clear case of misrepresentation, and is a classical instance of the backhanded "strongarm" tactics used by collection agencies.

Now, if you want to do anything about it, you need a good lawyer, and a way to prove your accusations... unless you start taping your phone conversations with unknown parties, you may have trouble accomplishing the latter, and bad credit may impede the former unless you know a good consumers' rights support organisation close to your home.

Answer 6

You need to do the following

Contact the FTC and file a report. It is illegal for a debt collector to fraudulently present themselves other than what they are.
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Additionally, write a cease and desist letter to the collection agency. In the letter, write that they have acted in a deceptive and illegal practice and that you prefer to pay your bill with a different agency.

Answer 7

properly, battling saints gave you the most acceptable answer up to now, yet i am going to easily upload somewhat to it and that i provides you with the lecture. in case you excluded your husband out of your coverage to convey down the expenses of coverage, WHY did you enable him force? of direction he must have a awful list, or you does no longer have executed that, and that i'm effective once you probably did they reminded you that he does no longer be lined if he drove your motor vehicle. properly, now you've the effects of that action, a bill contained in the quantity of $26,000. end annoying they coach you belongings you have not any correct to work out, and start up making funds on the debt you owe.