Threatening calls for default on payment

Submitted by Anonymous (not verified) on Fri, 06/22/2007 - 11:29
Forums
Credit repair

Hi

I am very new to this forum.

I am facing a dilemma for the past two weeks now. Someone called Michael Jones is calling me time and again threatening me with dire consequences. I have no idea why I am being pursued like this. He says I have made a default on a $3000. Wants me to pay it off. They are not saying anything when I am asking for their identity. I do not have any credit with them. I had a credit previously with a creditor but then I could not pay him back.

I need help please.

Laura

Hi Sam,

Welcome to our community:)

I think this is a debt collection agency who has bought your debt from your previous creditor. They need to send in a letter for further communication. Next time they call you ask them to send all details in writing and also ask them to stop all communication until they clarify who they are.

All the best.

Sat, 06/23/2007 - 09:45 Permalink
Morningstar

I believe that within 5 days of first contacting you, they are required by law to send you a letter explaining the debt.

Laura is right, get the debt validated, and have them cease collections until the debt is validated (if the statute of limitations has not run out, do not have them cease ALL communications, as they may sue you for the debt as soon as the debt is validated). I would put your request in writing, as opposed to asking verbally, and send it return receipt.

Sun, 06/24/2007 - 07:52 Permalink
Sam (not verified)

Thanks for the info but i cannot write a letter unless they give me their address. This is very unprofessional behavior. They have been calling me for a long time now but never sent any validation letter. This is illegal right morningstar? What should I do now? :?

Mon, 06/25/2007 - 06:08 Permalink
Morningstar

File a complaint with your state's attorney general.

Keep a log of all communications from the collection agency. This might be especially helpful if you look for an attorney (naca.net would be a good start).

They are required to send a letter. Google the FDCPA to learn all of the rights/protections it gives you.

Mon, 06/25/2007 - 07:24 Permalink
Sam (not verified)

I have filed a complaint already. I am keeping all the records like time of call, name of caller. Will that much help me?

I am still looking for an attorney.

Thanks for your help. :)

Thu, 06/28/2007 - 08:39 Permalink
Mary

I dont know how this happened. Even I am getting calls from an unknown caller. Guess I have to pull out a credit report now.
This is shocking because i do have credits but have paid most of them in full.

:shock:

Thanks
Mary

Thu, 06/28/2007 - 08:47 Permalink
Sam

How much are they charging you? More than $3000? Thats a huge sum Mary.

Hope you find a solution to this. Morningstar, laura helped me a lot. Will be of help to you as well i guess :|

Thanks
SAM

Thu, 06/28/2007 - 09:04 Permalink
Laura

Hi Sam,

Welcome onboard.

We are really glad to help you.
Hi Mary you can definitely file a complaint with the AG as suggested my Morningstar. :)

Thu, 06/28/2007 - 09:09 Permalink