An attorney told me...

[Flypilot]

This one may be best suited for Chane or Trish...

I was speaking with an attorney about an incident unrelated to credit repair and he mentioned that his firm does everything from law suits against night clubs (my case) to BK's and consumer law.

So I asked him...What do you do when you have JDB's harrassing you for debt they purchased for pennies on the dollar? He said that you can actually refuse to speak or negotiate with the CA's and the OC will have to negotiate/settle with you.

Now, he sues bars etc and does not work on the consumer side of the firm but, I would assume he knows something about it.

Chane or Trish...What do you know about this? If this is true, what do you do or what letter do you send out?

Fly

[Trish]

Well...yes and no...
It depends.

For one, usually if it's a JDB getting it for that cheap, then it's more than likely noncollectable or out of SOL. JDBs are just scum that prey on ignorant consumers, unfortunately.

The other thing is that it really depends on if the CA has purchased the debt or just been assigned to it. If they have only been assigned to the debt then yep...you can tell them to take a hike and that you will ONLY deal with the OC. If the debt has been sold over to a CA, you can't do that. The debt is no longer with the OC and at that point it is out of their hands.

Now sure you can still tell the CA to take a hike...BUT if it is an acct still within SOL for a substantial amount, I would not recommend doing that because you are almost guaranteed to get sued.

You know...I do remember seeing that a letter like that a while back. If I can find it, I will post it in the Beginner's section.

[Trish]

Found it!
Dispute Letters