Question by Gabe: Debt collectors state “We have sent papers to your job and courthouse”?
They use 2 different names, CDR & Associates and Cred X Debt Recovery. This one lady keeps saying she is from the “Legal Division” and has now sent papers to my job and to the county courthouse. She did not say they were suing me, I had a summons, or any information. Just “papers were being sent”. I know by law that in order to get any wage garnishment that I must have a court hearing so they can’t simply start taking money away. Also I told them I do not work for the same employer from when I made the loan application but they are still sending it there for some reason.
My question is : IS this likely a lawsuit? If they are taking me to court, will the court notify me of them suing me? Like will I be served with a summons to court? If I call the court, which department would I need to speak to in order to determine if I have a court summons? Thank you. She said the papers were sent out Tuesday so I think I would have heard something by now. Are Debt Collectors by law supposed to send me legal paperwork as well? Thanks again so much.
I will wait to see if I receive anything and if not, I’ll call the court house to see if I am being sued. I have a lawyer I can contact if needed. This company violated § 807. False or misleading representations [15 USC 1692e] and § 809. Validation of debts [15 USC 1692g, by the FDCPA. So I think I’ll be safe and can probably turn around and sue them. Thank a bunch guys.
Answer by Felonious Monkey
Spend an hour researching the consumer protection laws of your state and you’ll have a good idea of what creditors can & cannot do.
What do you think? Answer below!