Legal Question in Credit and Debt Law in California

Re: Collections rights

If any credit bureau is contacted, you have a right to write a response to the purported charge and whenever the comment goes out, your response must be sent as well. That does not sound like a perfect solution to the leverage creditors wield against us debtors, but that is the only response, short of filing a lawsuit, that I am aware of. Sorry!

Re: Collections rights

You do have rights. You can say you are disputing the claim, and then they have to send you some information about how it came to be that this amount was owed. The Insurance Company has probably paid the claim to its own insured and then assigned the right to collect it back from you to the collection agency. Whatever you do, be active. Find out why they've come up with the amount that they have. If it's a minor accident, you're within your rights to question the bodily injury settlement. Finally, your credit won't be on the line unless they get a judgment after suing you, or you sign a promissory note and default on it. AT any rate, get an attorney if at all possible. But have them send you copies of all medical records, etc. Make informed decisions.

Re: Collections rights

You may not have to pay and in fact may have a claim under the Fair Debt Collection Act. Please contact Mary at our office to set up an appointment for consultation.