Legal Question in Credit and Debt Law in Alabama

Debt consulting firm

I signed with ACR debt consulting firm. They were supposed to eliminate all the harassing phone calls and letters and contact my creditors on my behalf. I sent them all my credit card bills for them to ohoandle. I understood that this would be a charge-off situation. I signed several papers with them and a promissory note for them to work with them. I have had nonstop calls and letters from all these creditors. It has got so bad that I have made my own arrangements to make payments to stop litigation and constant phone calls. Now the company is saying that I still have tp pay then as agreed or they will sue me for a judgement etc. I told tham that they have not done as promised and I have been paying them and doing all the work myself. I checked them out with the BBB before signing with them so I thought they were sincere. Now I dont know what to do as I cant pay them and my creditors too. So far I have paid them $680.00. name of co. is Alternative Credit Rehabilitation, LLC. Lewistown, Pa. The informed me that my creditors could not sue me or obtaini judgements and now they are telling me they can.


Asked on 5/21/07, 2:47 pm

1 Answer from Attorneys
John Watts Watts Law Group, P.C.

Re: Debt consulting firm

Several things. If the ACR people lied to you, then you may can sue them for fraud. These types of companies can't make the creditors not sue you - the creditors are free to ignore them and often do as they sue you...

Secondly, if you are being harassed by the creditors or collectors, you may have a claim against them.

Send me an email or call me if you have any further questions or would like to discuss this. You can also read about debt collectors at http://www.alabamaconsumerlawblog.com/collectorsdebt_buyers/

You can also go to http://www.alabamaconsumer.com/PracticeAreas/Creditor-Harassment-Fair-Debt-Collection.asp.

Best of luck.

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Answered on 5/24/07, 12:53 pm


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