I got a phone call from a male robotic voice, asking for someone by the name of "Dan Bock." The caller went on to explain that a civil complaint was filed against me at the State Attorney General's office. Also, I have forty eight hours to comply. Otherwise, a warrant will be issued for my arrest. For what? If I were to owe money on a debt, I want that in writing.
Isn't it coincidental that there is a valid law firm in Chicago, named SANCHEZ, DANIELS AND HOFFMAN, I called them and they never heard of an Eric Holt representing himself as part of their law firm, don't give that loser any personal information.
I am sorry for my recent post. I owed a financial institution funds from 2 years ago and they actually where attempting to garnish my wages and take me to court. I contacted the wrong law firm. If you owe any debt, don't be surprised if you are being sued, even 2 years later........
Yes, collections efforts may be taken two years after the debt was incurred.
However, all collectors MUST follow FDCPA rules.
One of the rules states they MUST snailmail you documentation, that includes the ID of the original debtor, as well as the ID of the debt collector (and the debt collector may be violating the law if they call themselves "lawyers").
So, how can you contact the wrong "law firm" if you received the mandated debt validation letter?
Hmmm?
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
Lurkers:
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
Did your mother contact a law firm all those years ago about you eating all the lead based paint off the walls of that hovel you grew up in? No? Too bad! You might be sitting there getting all that chump change PLUS a disability!
Skeff Ett Liv!
Gunnar