Legal Question in Credit and Debt Law in Florida

credit debt collections

I have received a request for a pretrial appearence in court from a collection agency which purchased a charged off debt from a credit card company several years ago. It was my understanding that as I have no contract with any agency other than the original credit card company, I should owe nothing to a collection agency which purchased the debt. Is this correct? What should I do?


Asked on 7/21/07, 10:26 am

1 Answer from Attorneys

Scott R. Jay Law Offices of Scott R. Jay

Re: credit debt collections

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

No, this is not correct. Debts can be sold and the buyer has all the rights of the original owner of the debt. If you do not appear in court, a default judgment will be entered against you and it will show on your credit report. This would not be a smart move on your part.

Scott R. Jay, Esq.

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Answered on 7/21/07, 10:43 am


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