Legal Question in Credit and Debt Law in New York
Recently, my parents have been contacted by a credit agency in Cali known as LV Financial Services. The individual told both of my parents (in NY) the amount of debt owed and to whom, along with the dates (I am over 18). I immediately faxed them a request for verification of debt (a microsoft office template which cited law articles) and a request to cease communication except by mail. I then called to verify they received the fax.
When they continued to call my parents, I called the manager, gave them my phone number and address (Which is in Poland, I am an ESL teacher), and threatened to sue should they not cease and acknowledge my request for verification of debt. They STILL call and harass my father. I think it is time to sue them. Do I need a lawyer from NY? From Cali? I am in Poland and cannot appear.
1 Answer from Attorneys
Unless you have provided a "Power of Attorney" to act on your parents behalf, your request to do anything is of no concern to the credit company.
Your parents need to make the requests.
I believe they ony had 30 days to request validation.
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