Legal Question in Credit and Debt Law in California
I have been dealing with a credit card attorney for about 6 months, was contacted initially and made a payment to the law firm. A few days after, I called my credit card company and attempted to pay of the full debt (about $1100) that day, they said they were having computer problems and would have to call back at another time and could make a payment then. I called back a few days later, and the company said the department I needed to talk to was closed (although they promise 24 hour customer service). Long story short, I've been calling consistently into the company for the past 6 months or so trying to pay off my debt in full with one payment, the last call I made the rep said I had a balance of 0 dollars and then hung up on me. The attorney for the company contacted me at work today saying that I need to pay up or they will proceed with a suit. Do I have any options other than paying the law office since I've been trying to pay and they wouldn't accept any payment from me and then saying my balance was 0?
2 Answers from Attorneys
Apparently the original creditor sold the account to a collection attorney who will continue to pursue collection. The original creditor may have charged off the debt, but that doesn't prevent the debt-buyer from collecting on it.
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You should have been dealing with your own attorney -- not theirs -- before making a payment or speaking to them at all. Never get your legal advice from someone else's attorney!!!!!!
Do not ever give out your bank account information!! Also you need to stop talking on the telephone and start dealing with them only in writing, certified mail return receipt requested. Your payment to them may have given them the right to sue you where no such right existed previously.
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