How To Deal with Debt Collector - My own personal experience

ere's a recent debt collector interaction I'd that could be of interest or use to you personally. "Mr. Thompson, [Jack Smith] phoning from ABC. I have been requested to acquire a statement from you. Like this had something, it was the proper combination of obscure on the one hand and seeming. I'd never called him. He wasn't returning my call. We'd never talked. So he couldn't hear from me.

There was no reference of debt in the message as it is possible to see. But, my on-going issue is the fact that some disreputable collection lawyer attempts to blindside me using a suit by not correctly serving it to me. That way he'd get a default judgment without me knowing about it. I might include that all my debts are my state's statute of limitations that is past. Out of my litigation concern that was fake, I returned the phone call. And, the debt collector tried to step throughout whole and the half . First the debt told that ACS (his business) was a debt collector, and that he was phoning about an old Chase charge card debt and indicated he was calling for Chase. I told I'd not received a Mini- disclosure and Miranda notice from his company. Miranda said he'd given me see in the start of the call, and he'd. But, Miranda didn't say anything about THAT is a breach of the FDCPA, and debt collection in his voicemail. No doubt Miranda understood that. Miranda danced about that question. [ But and discovered me at my address that is right.] I asked him especially when the debt defaulted and when the payments had ceased. He told me in 2005.

Additionally, I told him i didn't discuss monetary matters over the phone with strangers to me. Additionally, I told I'd be demanding first lender files like a complete accounting of the debt as well as a contract. He said, "You understand that isn't going to occur." I answered, "Ah, and that means you work for a junk debt buyer?" [They cannot get or create lender files that are first.] "What's the name of the business." He said the name. I guessed that it was part of his debt purchasing/debt collection business. He then said, "How is it you understand so much about this procedure? . . . Are you aware your state's statute of limitations? Have you any idea what a mini-Miranda is? It's time to teach yourself about non payment of charge card debt for those who have credit card debt you can't actually afford to pay. Debt collectors are not strong. They're not lawyers. You don't need to speak to them. They are able to just tell lies that are frightening and be violent.
 http://www.law.cornell.edu/uscode/text/15/chapter-41/subchapter-V
http://www.ftc.gov