Legal Question in Credit and Debt Law in Connecticut

Collection Agency

My mother received a phone bill for $2,800. There were a bunch of international calls on there that she didn't make. She has been fighting with the phone company but they have turned it over to a collection agency. My mother is 70. The collection agency contacted her by phone on June 19 and said she owes $3,800. They had her in tears. She gave them her bank info and they were scheduled to withdraw money out of her account on June 25. I had her send them a debt validation letter and telling them not to withdraw money out of her account until the debt was validated. It was sent certified next day. They signed for the letter on June 23. She went to her bank on June 23 and told them not to let the money be withdrawn. They told her they wouldn't let any money be taken out. Well, on June 27 the bank did let the collection agency withdraw money out of her account. What can be done? They were notified in writing by certified mail not to do anything until the debt was validated. What rights does she have?


Asked on 7/01/08, 5:39 pm

2 Answers from Attorneys
Sheryl Schelin Law Office of Sheryl Schelin

Re: Collection Agency

She could have a conversion action against the bank but to verify this, she really should speak to an attorney right away. Do not delay -- delay could jeopardize her rights. If you'd like to discuss more about this, and assuming this took place in South Carolina, you can contact me through this site (my info should be on my profile page), or visit the SC Bar Association's Find a Lawyer site at http://www.scbar.org/public_services/find_a_lawyer/. That service is free.

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Answered on 7/01/08, 5:43 pm
Max Rosenberg Rosenberg,Whewell, & Hite, LLC

Re: Collection Agency

Hi, it sounds as though you may have several causes of action. My firm focuses a great deal on consumer protection, specificaly Fair Debt Collection Practices Act. Under this federal law, your mother is entitled to a 1,000 dollar penalty paid to her by the collector as well as her attorneys fees. We take these claims and sue at no cost to you. That means no attorneys fees and no costs. You can view our website WWW.suecreditors.com. and contact me for more info 203.521.4915. Thank you.

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Answered on 7/01/08, 10:28 pm


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