Legal Question in Credit and Debt Law in Minnesota

Re: collection agency

You can certainly write the collection agency and tell them that all future contact must be in writing. As to the issue of your case --what to do about the debt -- it may depend on where you are in the process -- them claiming that you "waited too long to respond" might mean they actually sued you and got a judgment or it might mean that they are just running you around. You can usually settle these cases at a substantial discount; you may have some defenses, such as a claim that the collection agency has violated the Fair Debt Collection Practices Act. I suggest you contact an attorney near where you live -- your question did not give ZIP code -- and have him or her review the collection actions.

Re: collection agency

If it a 3rd Party Collection Agency ( and is not collecting their OWN account) they are bound by the Federal Fair Debt Collection Practices Act. If you write them and tell them to stop calling, they are prohibited from calling again.

They may then just bring it to an attorney to sue it out.

I can arrange lump sum payment discounts on unsecured ( usually Credit Card ) debt.

I do this on hourly and flat fee basis. Call or email for further help.