Legal Question in Credit and Debt Law in South Carolina

collection

I received a letter from a collection angency stating no further action will be taken, the money paid constitutes full and final payment of all monies owed, and relieves any further liability against me. There will be no further constractual or monetary obligations. My name would be taken off the account with my son who defaulted on the loan. It was sent to the credit bureau as paid in full. How can they start calling again, under false pretenses stating they are calling from the county I live in. When I returned the call I found it was the collection angency. The person I spoke with said this came across his desk, there was no documentation except I had paid money, but the client opt to place a lien against my property. I read the letter to him. He stated all that was a release from them calling trying to collect. He went on to say he will hold it until I reach my son for him to call him. How can they put a lien against my property when I settled. Is this a scare tactic to get in touch with my son ?


Asked on 8/26/08, 9:32 am

1 Answer from Attorneys
Sheryl Schelin Law Office of Sheryl Schelin

Re: collection

It certainly seems to be so. If in fact the debt was satisfied, then any attempt to collect on it would be deceptive and therefore in violation of the Fair Debt Collection Practices Act. You should see an attorney as soon as possible.

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Answered on 8/26/08, 9:40 am


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