Legal Question in Credit and Debt Law in North Carolina

10-Year-Old Credit Card Debt

I received a call at approx. 6pm this evening from man stating that he was Michael Goldstein from Frederick & Goldstein Law Firm. He stated that he was a partner in this firm, but also stated he was an investigator and I could hear the sounds and chatter of a call center in the background. He was calling about a credit card debt from 2000, stating that I must give him my financial institution information withing 24 hours of that call, or the firm would start litigation against me. When I stated I did not feel comfortable with this, he proceeded to tell me that he could fax me information that I could look at and that would prove he was legitimate. I further stated that I did not have access to a fax machine and could he email, or mail the information, to which he replied no, it could only be sent by fax because I had 24 hours to respond. This is the first communication I have had from this ''firm'' and am wondering how legal this is, and what could happen if they do take me to court?


Asked on 6/10/09, 7:59 pm

1 Answer from Attorneys
Jeff Rosner Rosner Law Firm P.A.

Re: 10-Year-Old Credit Card Debt

Do not provide any information. Write down everything about that call and if he calls again, take notes - time of call, his name, his firm, what he says, etc. Ask for his phone number, address of the company, etc. If he is lying, he is probably violating the Fair Debt Collection Practices Act. Ask him not to contact you any further except in writing.

If they do sue you - you will consult with an attorney and defend it at that time. You may have a valid statute of limitations defense and you may have counterclaims for violations of fair debt collection practices.

Read more
Answered on 6/11/09, 11:22 am


Related Questions & Answers

More Credit, Debt and Collections Law questions and answers in North Carolina