Yes Buckles and Buckles like others are in the collections business. The number is for the Michigan office in Birmingham, Collections relies on intimidation, harassment, and humiliation, but you can stop this. There is help for you. If you have a counter claim and can afford a visit to a lawyer, do so. If you are one of the Great Recession's poor or just need a reference to a lawyer and or have no money to defend yourself visit the Michigan Legal Aide Society web site...
http://www.michiganlegalaid.org/
...and then enter your ZIP-code in the "Find a lawyer, organization or related service to help..." text entry box and [Mouse-Left-Click] button to see a list of organizations near you. Next call a few of those organizations and they should first help you find which organization is right for your case.
Collections goes like this and you can use the court process to have more time to decide what to do...
1) Try to get you to pay with phone calls and letters, this can go on for some time, sometimes a short time.
2) When you can't or don't pay they sue you using different criteria which a lawyer or legal aid can best explain.
3) You are served by process server or mail or taping to your door. If by server you have 21 days to "Answer" or 28 days if by mail. Legal Aid has pre-formatted Answer sheets which they can guide you through, then just mail them according to the lawyer's instructions. I think everyone should ask for a jury trial.
4.) A pre-trial hearing will be scheduled. Here in SE Michigan it was about 60 days could be more or less. You must show up to avoid a summary judgment on the amount of the Claim. Most times you will be told to step out of the courtroom to a discussion room by the Judge to attempt a resolution. You need to ask a lawyer about how to "discuss" the issue with the collection company's lawyer. You go back in front of the Judge where you will be asked some questions maybe or just state that this is not resolved and a trial date is set normally. Again talk to the lawyer.
5.) Before a trial there is a period of discovery where you can ask for documents and other information from the collection company. This is more completely explained by the lawyer. It is possible to slow thing here but the advising lawyer can help.
STOP CALLING....I DO NOT HAVE $, I LOST MY JOB, AND I'M IN THE PROCESS OF LOSING EVERYTHING. yOU CAN ATTEMPT TO SUE ME OR PLACE A LEIN ON MY DOGS...BUT THE COURT THAT FIRED ME WILL NOT TAKE ANY SMALLCLAIMS CASES AGAINST ME SO YOUR CASE WILL BE DELAYED, DELAYED, DELAYED...
You owe money, and so do lots of people. I know it's frustrating. These guys are hired to do a job, and recover money. You can't hate them for this. If you react calmly and like an adult, they are usually willing to work with you. If they don't want to make a deal with you, all you have to do is ignore them. If you don't have money, you don't have money..simple as.
By the way, this is Buckles and Buckles, a collection agency for Discover Card.
Yes Buckles and Buckles like others are in the collections business. The number is for the Michigan office in Birmingham, Collections relies on intimidation, harassment, and humiliation, but you can stop this. There is help for you. If you have a counter claim and can afford a visit to a lawyer, do so. If you are one of the Great Recession's poor or just need a reference to a lawyer and or have no money to defend yourself visit the Michigan Legal Aide Society web site...
http://www.michiganlegalaid.org/
...and then enter your ZIP-code in the "Find a lawyer, organization or related service to help..." text entry box and [Mouse-Left-Click] button to see a list of organizations near you. Next call a few of those organizations and they should first help you find which organization is right for your case.
Collections goes like this and you can use the court process to have more time to decide what to do...
1) Try to get you to pay with phone calls and letters, this can go on for some time, sometimes a short time.
2) When you can't or don't pay they sue you using different criteria which a lawyer or legal aid can best explain.
3) You are served by process server or mail or taping to your door. If by server you have 21 days to "Answer" or 28 days if by mail. Legal Aid has pre-formatted Answer sheets which they can guide you through, then just mail them according to the lawyer's instructions. I think everyone should ask for a jury trial.
4.) A pre-trial hearing will be scheduled. Here in SE Michigan it was about 60 days could be more or less. You must show up to avoid a summary judgment on the amount of the Claim. Most times you will be told to step out of the courtroom to a discussion room by the Judge to attempt a resolution. You need to ask a lawyer about how to "discuss" the issue with the collection company's lawyer. You go back in front of the Judge where you will be asked some questions maybe or just state that this is not resolved and a trial date is set normally. Again talk to the lawyer.
5.) Before a trial there is a period of discovery where you can ask for documents and other information from the collection company. This is more completely explained by the lawyer. It is possible to slow thing here but the advising lawyer can help.