Legal Question in Credit and Debt Law in Florida

Re: Charged Off Debits

You should be able to stop the phone calls by sending the collection company a letter informing it that you consider the calls harassing and that you want it to stop. Therefore, the only communication that it should use is by writing. This will stop the calls but you will still have the debt. You may want to consider Bankruptcy, which would discharge the debt. However, you can only file once every 7 years so if you expect more debt you may want to wait so that you can discharge all of your debts.

Re: Charged Off Debits

A credit card company may collect on a debt that has been charged off. The next time they call you should inform them not to call again and follow the conversation up with a letter. If they continue to call keep a log of the date, time, name of the person and employee number if they'll give it to you. If you are sued you may have several defenses depending on your facts and circumstances. 305-670-0373

Re: Charged Off Debits

The previous replies are accurate. Short of bankruptcy, which if you are going to do..you should it before the effective date of the new law.. you may in fact be judgment proof. A consultation with counsel may be a worthwhile expense for you.