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Sorry for all the threads, I just found this forum and I have many questions.
I have defaulted on a loan for jewelry through Crown Diamonds, since my wife was laid off. I owe them $4500 and the last payment was in January.
There "in house" collection department has been calling me, my work and all my personal references I put on the credit application.
I have heard that they may attempt to sue me if I send them a C & D letter.
Can they sue me if they don't know where to serve me? I have since relocated and they dont have my address, and my employer has tons of locations they do not know where I work.
PLEASE HELP!
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Alfredo Piacentini
I guess a C & D letter is being sent when the CA or creditor fails to validate the debt that you owe. You said you owe it already. Then it's your obligation to pay them back. If you don't want them to call you at work, you can ask them not to, but it still remains your obligation.
I'm not completely positive! You might want to get a hold of a bankruptcy lawyer.