Legal Question in Credit and Debt Law in Pennsylvania
I just recieved in the mail a letter from the magistrate that a collection agency is suing me for a debt i incrued over 3 years ago. I understand that i do have to pay it. But everytime I would call the collection agency they would always want all the money up front. And I did not have 3000 dollars to my name. They wouldnt take any other way. Within a year the 3000 dollar debt now jumped to 5400 dollars. For 1...How could it have jumped that high within only a year. That is almost like 100% interest if thats what they are charging. Also, what should I do about the court date. Its a month away. I do not own a car or house. I dont own anything. I only have a part time job that i make maybe 200 every 2 weeks, so would garnishing my wages really matter. I just need advice on how to proceed with this.
2 Answers from Attorneys
Collection agencies often have tremendous difficulty in proving a case against you in a court of law in Pennsylvania. Our office defends these cases and wins over 90% of the time, and other consumer attorneys have similar success rates.
Do not go into this assuming that you owe the debt. The collection agency must prove that you owe it. A good consumer attorney can assist you with this hearing, and in fact, will not allow you to attend. The attorney will go in your place and your chances at success are very good. Feel free to contact my office for a free consult.
I agree with other counsel that the creditor must prove you owe it. If you hire an attorney, he can show up on your behalf and you could even win by default.
Alternatively, if you have other debt also, you could consider a bankruptcy which will give you a fresh start.
You should speak to counsel about this and I would be happy to speak with you on a free initial basis.
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