Legal Question in Credit and Debt Law in Pennsylvania

Contact After Cease Communication

There is an alleged debt from 1992 that for years I would get letters a few times each year and the amounts are always different, 11000, 8000, 7000, 15000, 18000, and now they say 22000. The debt is owned by a JDB and in 2007 I became very aware of the collection laws, so I sent the CA a cease comm. and I addressed the CA, as well as, the ''OC'' JDB stating that since the CA is the agent of JDB and they have to notify the JDB that they can no longer collect due to the cease comm. and it is only logical that they would have to show proof, my letter, to JDB. All of this I explained in the letter which I sent CMRRR and I still have the signature card. I would just like to sue them in small claims, but I was wondering, would a copy of this letter, the siggy card, and the new communication letter be satisfactory to the DJ or would it be a gamble because the DJ may not be familiar with the FDCPA and the FCEUA? I wouldn't want to get stuck with their att. fees when I'm the one in the right. I don't want you to get the wrong impression, I have great credit, I am not a dead beat debtor. I haven't checked my reports and I am some what hoping they ran and/or placed it on my credit so I have more claims. What do you think?


Asked on 6/27/09, 1:20 pm

2 Answers from Attorneys
Frank Loscalzo Law Office of Frank Loscalzo

Re: Contact After Cease Communication

Sounds like you have a winning case, which any FDCPA attorney would take on a contingecy basis. We would certinly be interested in discussing it further with you. If interested email me at [email protected]

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Answered on 6/28/09, 1:47 pm
Greg Artim Morrow & Artim, P.C.

Re: Contact After Cease Communication

FDCPA violations entitle you to recovery of attorney fees if you are successful. A knowledgeable consumer attorney will take this case for you, if he/she thinks its a case, with no out of pocket expenditure on your part. In that regard, my advice is to contact a consumer attorney and let them prosecute a claim, if there is one.

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Answered on 6/27/09, 2:01 pm


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