Legal Question in Credit and Debt Law in Pennsylvania

I just received a letter from the courts that a collection co for a 3yr pass due credit card co is taking me to court for 4700. I did contact and make an agreement with the collection co back in May 09 but I also asked if I can have an agreement letter that it will be removed from my credit report when I pay the debt in full and he agreed. Said he would send that and the agreement out right away. Well I never got the agreement but a week after my first payment was due I got a letter that said it was past due. I called got voicemail adn left a message that I was waiting on the letter of agreement along with the letter stating i would get a letter stating my account was paid in full (as he said although they did purchase the acct they cannot have it updated on my credit report. So they are asking for a judgement against me.What can they take? Can they take a car thats in my husbands name also and things like that? I have no problem paying the debt but not until I get the agreement.Thank You.


Asked on 10/24/09, 12:47 am

1 Answer from Attorneys
Greg Artim Morrow & Artim, P.C.

Your attempt to make a payment arrangement with a collection agency was a mistake. You are fortunate that they did not send you a settlement letter. Collection agencies have a very difficult time in proving a case against you in a court of law in PA. A knowledgeable consumer attorney beats a collection agency lawsuit almost 9 times out of 10.

Contact my office for a free, no obligation review of the lawsuit, or, contact another consumer attorney. Do not make a settlement with an agency until you know that they can beat you in court.

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Answered on 10/29/09, 1:02 am


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