Legal Question in Credit and Debt Law in California
Collection Harassment
A collection company has not stopped contacting to settle a debt, even after I have provided 10 of their customer reps with proof that all debt was paid. Letter from the original debtor, check copy, confirmation number when debt was paid. They had stopped for the past month and now I have recieved a letter from their law office stating if I did not pay within 14 days they would file a lawsuit against me in my county. I called them and said if they did file a law suit to send me the information when so that I could file a counter suit, they immediately put me on hold and was on hold for over twenty minutes till I hung up. What is your suggestion to do in this matter? I do not want it affecting my credit score, especially when I have paid everything off and have proof of it. Thank you.
2 Answers from Attorneys
Re: Collection Harassment
Contact a consumer attorney right away, and file suit for violations of the Fair Debt Collection Practices Act, and posssibly violations of the credit reporting acts (if they have reported this yet). Hopefully you have documented each of these calls. Collection Agencies and even law firms doing collections are getting super-aggressive these days.
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Re: Collection Harassment
You cannot be harrassed by collection agencies. There may be a violation of the Fair Debt Collection Act by their conduct. We would have to review you documentation, but it seems that you have a great case and defense. Please call me and I can answer any other questions you might have.
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