NEED HELP bad. New tactics being used and they're winning by default.
A new collection tactic I have seen is they send a letter like this and you get sued, never served a court paper of where or when and lose by default. Its not fair. PLEASE READ LETTER and HELP!!
This letter says the following.
It says they have been retained by discover card to collect this debt
Original Creditor (Discover.......
Debtor #...........
Principal Balance as of Today!........
This office has been retained to collect the above referenced claim against you.
Unless, within 30 days after receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid.
If, within 30 days of your receipt of this notice, you notify us in writing that the debt or any portion thereof is disputed, we will obtain a verification of the debt or, a copy of the judgment against you, and we will mail to you a copy of such verification or judgment. If the original creditor is different from the current creditor named above, then upon your written request within 30 days of the receipt of this notice we will provide you the name and address of the original creditor. We have not, nor will we, review the details of your account status, unless you so request in writing. Please direct full payment to this office. (See Utah code section 70C-7-107.
Signed Attorneys for plaintiff
My comments: Now what worries me is can they get a judgment even though I respond before 30 days and the only address provided is a PO box so I cant sent a certified letter and they didn't send this letter certified either so how do I know or do they know If I ever got this letter or if they get my letter. This letter is identical to the other letter I mentioned in my previous post just alot more money involved and we don't have that kind of money. If I am sued I want to be there so how do I know if they are suing me? They wont tell you they just do it and you lose by default and it's not fair to we the people they are getting away without a summons or any notices to appear in court and when. This is a new tactic I have seen. We all need to be aware of this. They can sue you and you never know where or when. They dont give the court or date or nothing but this letter and next thing you get is a letter from the court stating you have a judgment against you. I am really scared and need all of your help and I am sure many others out there are getting these types of letters. What do we / I do and how and when? Please help me and my family and advice us what to do. WHAT DO WE DO . HELP!!
Dave
HELP HELP HELP
how can I be taken to court and garnished and all but never notified of when and where the court time and date is. This is a new strategy and they are getting away with it and must be stopped. We have no defense but to file Chapter 13 or 7 if you dont have a home or assets