Legal Question in Credit and Debt Law in Pennsylvania
A "lawyer's office" called me at work today stating that they were representing a credit card copy in which I was in default. They stated that since I now had so many assets, it would be wise of me to pay. They had my social security number and, they say, a copy of my credit report. I did get the name of the woman and the phone number, but neglected to write down the law office from which she said she was calling from. She also stated that she was a legal aid or assistant, and not an actual lawyer. What legal rights does this credit card company have against me with this law office backing them?
1 Answer from Attorneys
Creditors, either directly, or through their agents such as collection companies or counsel, can call or write you endlessly. While there are laws to theoretically prevent such behavior, they are difficult and time-consuming to enforce. The simple response is to ignore them.
However, if you are sued, you will want to respond. You may have a valid defense. For example, the creditor may have �sold� the debt to another entity whom you have never heard of and who cannot prove their �right� to sue you.
Also, you could consider a bankruptcy which would eliminate all such debt, if you are eligible.
I trust this answers your question, but feel free to call or e-mail me on a free initial basis.
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