Now you can give us all the court information as well as the official name and physically address of the plaintiff since that is on the paperwork and is public record.
just received legal documents to go to court served at my job , in reference to this. When they originally contacted me , I blew it off because I still don't remember taking out a lone. Now I need a dam attorney. How the hell am I suppose to remember everything? Now they wont even allow me to take care of this outside of court.
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
Also good info at the Consumer Finance Protection Bureau:
http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html
Let's assume for a minute that you DID have and unpaid 'lone' (You mean 'loan' surely that's somewhere on your paperwork)
The company should have sent you a "debt validation" in the mail within 5 days of contacting you.
This tells you when your incurred the debt, to whom you owe the debt, and how you can go about handling it if you don't recognize it (as you claim), or feel you owe a different amount.
Also, if you received both a debt validation and a summons paper, you'd surely have the name, phone, and address of this place to share with us.
On an unrelated note, you don't HAVE to have an attorney if you're being sued for debt. You can appear pro se. It's like traffic court.
This article is handy. it tells you your rights as a consumer, and provides you with places to file complaints should a 'debt collector' not operate within the confines of the law.