No, they’re bottom feeders, plain and simple. Too many horror stories and fines levied against them in support of the bottom feeder description. An original creditor is one thing, a junk debt collector is quite another. And far too simplistic to opine that “….if all people paid their bills,” when the complexites and nuances of not paying or not able to pay are overwhelming. Time to check out the overall business models of the status quo that engage in “trick and trap.”

Good luck
T

I’m lost in all the info (and lack there of.)

Question 1) Is settleing debt terribly bad to your credit score assuming you already have poor credit?

I plan on sending them a validation letter as above, I plan on ignoring all knocks at my door I’m not expecting. I plan on no longer admiting the debt. Will this lawfirm sell off my debt again? I’m under the impression that since the credit card sent my debt of to collections can I simply ignore this/stall this stuff until the statue of limitations goes away?

Thanks for the posting!

You mention to check your credit report- was this debt on your report, and how long had it been there?

What you really need to learn is the law and how to defend yourself in court. You should also learn that what they did is known as overshadowing just for starters. Then they supplied you with false and misleading information. That is two reasons to turn the tables on them and file a federal lawsuit against them for their violations of FDCPA. There will probably be more violations than you have already mentioned. The next thing you need to learn is that it is a whole lot better to be a plaintiff in a federal lawsuit than it is to be a defendant in any court.

If you file a federal lawsuit on them they have to hire another law firm to defend themselves and if you name the plaintiff as a co-defendant then they can’t represent their plaintiff in any court.

Filing federal lawsuits against debt collectors is no big deal and my students do it all the time and win consistantly without lawyers.

I have one student who has filed 40 federal lawsuits and won all but one. I have another who has filed 7 federal lawsuits and won all of them. I have many students who have also filed and won only one or two federal cases.

I’m not going to tell you that it is easy but neither is it all that difficult. Once you have done it a time or two you can actually prepare a case in about an hour or two.

Don’t let the lawyers screw you around. They will do it every time.

Learn how to do it yourself and win.

I would file a writ to have them state the origin of the debt.

If nobody complains or reports them they can send out summons and collect $100 all day every day as opposed to you paying the $250+ hour for attorney’s fees… sounds like a scam to me..