Legal Question in Credit and Debt Law in California

How can I get a settlement with a creditor and can they send my delinquent bills

I have been delinquent on a jewelry account. The initial balance was $1400.00 - I have paid exactly $1365.00 on this account. I entered into 2 payment agreements with the company at $175.00 each, but they I guess because of a increase in my APR because of my delinquency they tell me I still owe them $1,000 and have been threatening me for 2 months that they are going to take me to court. They leave messages for my boss and sent delinquency letters to my employer because ''they cannot reach me'' when I speak to a rep 2 times a week. I have explained that I cannot afford another $1,000 and they refuse any settlement. I am constantly harassed and I really cannot afford to continue paying (the items I purchased do not even appraise for 1/2 of my initial balance and they agree to this!). Please help me to settle this matter before I am sued by my creditor and what can I do about the harassment at work??


Asked on 5/13/05, 10:05 am

1 Answer from Attorneys
H.M. Torrey The Law Offices of H.M. Torrey

Re: How can I get a settlement with a creditor and can they send my delinquent b

from the facts given, a specialized debt settlement law firm would be of GREAT assistance to you in resolving this unfortunate matter once and for all. as far as the harassment at work goes, you are definitely protected by the FDCPA laws in place against this type of harassment. if you would like further assistance, feel free to contact us directly.

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Answered on 5/13/05, 10:32 am


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