I am seriously behind, I want to make some type of settlement arrangement with them, but a lawyer keeps calling, won't talk about any settlement or payment arrangements, wants the full amount NOW or says he will take a lean against my property. Any suggestions would be greatly appreciated!!
2007-11-12 15:24:37 · 5 answers · asked by melanie 1 in Politics & Government ➔ Law & Ethics
I have no idea but you should try to ask the same question in personal finance.The people there tend to know a lot
2007-11-12 15:33:58 · answer #1 · answered by RX 5 · 0⤊ 0⤋
Next time he calls, ask for their mailing address. Send them a certified letter informing them that you want all future communications to be by mail. This is your right under the law. If they continue to call you, you can sue them for damages. At that time, they will be more likely to be willing to discuss a settlement or payment plan.
2007-11-12 15:31:53 · answer #2 · answered by Anonymous · 0⤊ 0⤋
If you OWE, you PAY... if the lawyer is calling you at WORK, that is pretty much against the law in MOST STATES.... they are only SUPPOSED to call you at home.. and, they are not supposed to START calling until 9AM and MUST STOP CALLING by 9PM.... if he's calling at any of the "forbidden" times.... you can AT LEAST get him to stop calling AT THOSE TIMES and at WORK but nothing more. I'd suggest you PAY because I certainly do NOT want to pay YOUR BILLS and whenever one of you guys ditches a credit card obligation, the REST of us pay through higher interest rates... and I think they are DAMN HIGH ENOUGH ALREADY!!!!
2007-11-12 15:37:04 · answer #3 · answered by LittleBarb 7 · 0⤊ 0⤋
Tell him to send you a letter stating his position or if your state allows it, tape your conversation.
If he legally can't take a lien against your property, he is committing an Fair Practices Collection Act offense. If he can, it's legal to tell you so, even if he doesn't intend to do so. Also, if they haven't sent you a letter with an "intent to collect" and 30-days response, they have committed an offense. However, I suspect that they have and you have ignored it. Seek legal help.
2007-11-12 15:46:03 · answer #4 · answered by cattbarf 7 · 0⤊ 0⤋
Start sending money now.
And he can't "lien" against your property for unsecured credit card debt until AFTER they sue you and you lose and then still fail to pay.
The more you get paid off now, the better. Just start sending checks.
Good luck.
2007-11-12 15:30:28 · answer #5 · answered by Gem 7 · 0⤊ 0⤋