Legal Question in Credit and Debt Law in Minnesota
There is a law firm that is trying to collect a debt from me. They bought it from citi bank , I called citi bank gave them an account number and they said their accounts dont even start withb the first 4 numbers I gave them. Ive called and no one has answers for me. I faxed a letter requestion proof of this debt with my signature and some other facts, I dont know where this debt is even from. Ive looked online and this law firm Messerli and kramer has a bad reputation . What can I do???? I read that they have frozen peoples bank account and taken money that way, How do I prevent this? If they can prove it IS my debt , I am willing to work something out .
2 Answers from Attorneys
You should absolutely exercize your rights under the Federal Fair Debt Collection Practices Act.
Call or email for assistance.
They must establish verification and provide documentation before proceeding with any further legal proceedings.
It is not clear where you are in the proceedings. If they have served lawsuit papers you must serve a written answer. If it is before lawsuit papers, a letter of ifnquiry may be enough. If it is after lawsuit, you need to seek to vacate the judgment. Wherever you are, you need to follow up and document your steps and have Messerli & Kramer "verify" the debt.
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