Legal Question in Credit and Debt Law in Alabama

I have a credit card that has gone into collections with a firm called Frederick J. Hannah (located in Georgia) and Associates. I have paid them 625.00 since they have had my account. I was told by a gentleman since I missed my September payment that if I did not settle the account this month (October) they would sue me. Keep in mind I called their firm and left a message stating I could not make Septmebers payment and asked if someone would call me to make payment arrangments. NOONE returned my call!! Now I am scared and wondered what to do! I told them that I would be more than happy to settle but I get paid at the end of every month and would not be able to start the payment until then. The gentlman stated that if I did not have the payment in by October 26th I would be sued. I again told him I get paid on the 29th and he stated that did not matter I needed to make a payment in by the 26th. He would not work with me at all and I have been MORE than willing to pay my debt.What can I do?


Asked on 10/06/10, 9:08 am

1 Answer from Attorneys
James Coleman Murchison & Howard, LLC

If you are willing to pay, then try to send them the money before they sue you. If they accept it, they will have a difficult time in court. At the worst, they will sue you and win and then be collecting on a judgment rather than a debt. You should seek the advice of an attorney here. Please don't try to negotiate with a bill collector by yourself!

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Answered on 10/12/10, 6:45 am


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