In a different, and agonizingly long thread, "Burned" stated s/he ignored the phone call(s), and later ignored the delivered documentation (summons?), because s/he did not like the looks of the person who delivered the documentation.
Posters in that thread asked for proof ... eventually, "Burned" provided the link, as above.
So, we have an example of a person who ignored written letters and (summons?), and did not appear in court to provide a defense. Now, "Burned" is posting statements that the calls were legitimate (no proof there), the letters were ignored, and the (summons?) was issued but ignored.
>> You can't come running to a complaint website and blame everyone else for your lack of due diligence <<
Exactly. "Burned" seems to want to ventilate ... at length ... suggesting the regulars are at fault for stating a mere phone call is not legally sufficient proof of debt. When, in fact, "Burned" is at fault for ignoring the truly sufficient proofs of debt.
Hopefully this thread will not grow to the size of the other one, as all arguments seem to have been made.
It doesn't matter - they're attempting to collect a debt, so they are bound by debt collection laws. It's the same here - if an attorney, litigator or debt collector is trying to collect a debt, they MUST be compliant with federal law. If you're still concerned, please do see a consumer attorney - many of them offer an initial consultation for free. However, I would NOT pay or make payment arrangements for this Mac Financial, until they have complied with the law. Here's another article on the same kind of abuse:
According to them they are a third party collection agency and dont function Under the same laws. and I called both equifax and transunion and theres no debt from mac Financial on my report.
Again, it doesn't matter how they define themselves. Debt collection/consumer protection laws state that anyone attempting to collect a debt - lawyers, litigators (same difference), mediation firms, debt collectors - ALL must comply with consumer protection laws regarding debt collection. I'm not surprised there is nothing on your credit report, although some fakers do go so far as to "plant" blatantly false info on credit reports too. Again, any time someone calls or writes - do NOT take their word for it that you owe them. ALWAYS make callers and correspondents mail proof that you actually owe a debt and that they have the legal right to collect that debt.
These people are really pissing me off now I got a letter at my work yesterday and I Wake today to find they sent me a letter at my house to how is this not harrasement.
Today i get a call from someone by the name of Alex Cooper me a message stating that he has some legal papers on his desk from small claims court to be signed off. So i should call him back soon as possible else he will sign the papers and send it out. Can someone help me please can they do this take me to court. I have not paid them and its been 6 years now. Can he do anything to me?