I would contact the debt collector and see who hired them to collect. Prob easiest way to find out what's going on. Then get a lawyer if needed.
I'm going to go against the grain and suggest calling to see what you can settle for (use your best poor voice and grammar); unless the debt is for much more than a lawyer will cost you. Which if that is the case, you had better damn well remember. If the debt is not yours, you probably don't need a lawyer to dispute.
Sorry lawyers.
Last edited by Irving; 12-15-2015 at 20:18.
"There are no finger prints under water."
My EDC: Handcuffs, Bandana, and Ball Gag.
If I'm ever at a party and the cops come to arrest people. Ill blindfold myself, throw the ball gag in, handcuff my hands, and hide in a closet. Police never arrest hostages!
A good Debit Collector that I have used.
David Larson
88 Inverness Circle East B102
Englewood, Co. 80112
303.799.6895
I am just a satisfied customer, not pimping.
HTH
Roger
If this truly is the first time a letter has come to you regarding this debt, than something is screwy. Especially with all those fees tacked on. Seems like a debt that has been hanging out there for quite a while. If you get a lawyer now, you are going to be paying him/her for something that could be a mistake. I would file the paperwork required by the court. I may also check with the court to see if there is a case pending, or if this has been filed with them. Seems really strange that the collection agency is not answering the phone. They are usually really eager to get their $$$$$.. Maybe the snow kept them out of the office. Highly doubtful as my neighbor works for one and she was out of the house at 5am and home at 6pm.
Keep us posted. Interesting story.
Except for the sheriff thing, I'd be keen on calling it one of latest scams. Ran into 2 different people to day at my building who had fallen into an IRS scam demanding payment of back taxes.
My wife went and saw the consumer credit counseling folks a long time ago, they worked with the folks we owed to come up with payment schedule, and lowered some of our debt. They charged off the debt and after we finished their payment plan we never saw anything with remaining balances we could have owed. 10 yrs later we go to buy a house, and the agencies that assumed our debt all came calling exactly like you described. Once they knew we had money they were entitled to it.
We paid them all off and the bad man went away....
Ymmv
Last edited by wyome; 12-16-2015 at 21:35.
USAF - 1989-2011
A motion to revive is a judgment is close to expiring, which means its between 5 and 6 years old. Pull the court file, get a copy of the complaint and return of service. See if they tried to garnish you. If you can prove you were not served originally, you may get lucky. Better figure out where you were and who they served.