Legal Question in Credit and Debt Law in North Carolina

Obligation to whom? The creditor? No. Just because the phone rings there is no law that says that you have to answer it. Likewise, you do not have to identify yourself.

Do you have caller id? An answering machine or voicemail? Write down the number, date and time of call. if anything threatening is said, write that down to. Pretending to be law enforcement or an attorney or threatening to take you to jail is a violation of law. If its a debt collector, they will leave a message.

Debt collectors want money. If you do not have it, there is no point in talking to them as they will only try to frighten or upset you.

If this is really your debt and you want to resolve it for a reasonable fee, feel free to contact me I can work out lump sum settlements or term payments, depending on the amount of debt and what you can afford to pay. We can also see if payment is the right option for you or discuss alternatives. I give free 30 minute consults by either email or phone.

Rachel Hunter

Attorney at Law

[email protected]

(678)-687-9693

Admitted in GA, PA & NC