Leading Edge Recovery Solutions Ripoff Harassment Chicago Illinois

P apparently doesn't know much. Either the OC will cash the payment, and forward to the CA within 90 days, or they will forward the check/money order itself to the CA who will cash it.

A debt collector threatened to sue me. Can it do that?

A collection agency can file a lawsuit to collect a debt. However, among the many things a collector is not allowed to do is threaten you with a lawsuit just to get you to pay the debt. Examples of threats and deceptive practices prohibited by the FDCPA are when the collector:

Says it will garnish your wages or sell your property if it is not legal to do that.
Says it will sue you, if the collector doesn't intend to sue.
Is not truthful about the amount of money you owe.
Says you will be arrested if you don't pay the debt.
Threatens you with violence.


Does an agency have to contact me in writing before it calls me?

No. A collection agency may contact you first by telephone. Within five days after the phone call, the collector must send you a written notice. The notice must tell you how much you owe and the name of the creditor that says you owe the money. The written notice must also tell you how to file a dispute if you don't agree that you owe the money. For more on disputing a debt that is not yours, see Part 6.

Does a debt collector have to tell me anything else?

The person who calls you from a collection agency has to give you his or her name and the name of the agency. The caller cannot pretend to be someone else. A collection agency cannot lie about who it is or send documents that mislead you.

Here .....

joseph - you probably shouldn't have sent in a payment because you just validated the debt and have given up your right to dispute the claim.

at this point you need to stay off the phone and handle EVERYTHING in writing certified return receipt requested. if you wrote them a personal check, many of the professional collectors on this site state you need to close that checking account down and reopen a new one at another banking institution or the agency may drain or seize your account for what they believe you owe.

if you continue to send money it has been suggested you send it certified funds or money orders so there is no opportunity for the agency to attach your funds ...

Steve??? Don??? Anyone else????

Here .....

joseph - you probably shouldn't have sent in a payment because you just validated the debt and have given up your right to dispute the claim.

at this point you need to stay off the phone and handle EVERYTHING in writing certified return receipt requested. if you wrote them a personal check, many of the professional collectors on this site state you need to close that checking account down and reopen a new one at another banking institution or the agency may drain or seize your account for what they believe you owe.

if you continue to send money it has been suggested you send it certified funds or money orders so there is no opportunity for the agency to attach your funds ...

Steve??? Don??? Anyone else????

Here .....

joseph - you probably shouldn't have sent in a payment because you just validated the debt and have given up your right to dispute the claim.

at this point you need to stay off the phone and handle EVERYTHING in writing certified return receipt requested. if you wrote them a personal check, many of the professional collectors on this site state you need to close that checking account down and reopen a new one at another banking institution or the agency may drain or seize your account for what they believe you owe.

if you continue to send money it has been suggested you send it certified funds or money orders so there is no opportunity for the agency to attach your funds ...

Steve??? Don??? Anyone else????

Here .....

joseph - you probably shouldn't have sent in a payment because you just validated the debt and have given up your right to dispute the claim.

at this point you need to stay off the phone and handle EVERYTHING in writing certified return receipt requested. if you wrote them a personal check, many of the professional collectors on this site state you need to close that checking account down and reopen a new one at another banking institution or the agency may drain or seize your account for what they believe you owe.

if you continue to send money it has been suggested you send it certified funds or money orders so there is no opportunity for the agency to attach your funds ...

Steve??? Don??? Anyone else????

Sears doesnt have to notify you of any agency they are using to collect the debt or who they are selling the debt to. If you sent any payments to Sears within 90 days they would forward that payment to the current agency who owns the debt, and it would get posted to your account at that time.