12-12-2008 07:33 AM
Has anyone heard of Silver and Associates, anyone had experience with them? This is for a 2 year old HSBC charge off of $1000 for an HSBC cc. They left me a voice mail that sounds like they are going to sue me. I found something at one point that said this is a collection agency posing as a law firm. How can I see if they are authorized to collect in my state? Do you think this is real?
The voice mail said something like "This is XXXX from litigations at silver and associates, we are sending a letter in the form of a complaint to oklahoma county, please do not disregard this message."
This was maybe 3 weeks ago, and they have left messages since saying they are authorized to collect 50% of the amount owed.
There are no judgments on my credit report or public record, any help is appreciated.
12-12-2008 07:57 AM
12-12-2008 08:30 AM - edited 12-12-2008 08:30 AM
There is no judgment on my public record, im sure that would show up if they did file a complaint.
12-12-2008 09:10 AM
12-12-2008 10:31 AM
12-12-2008 11:01 AM
12-12-2008 11:09 AM
Its personal. The website you found is not the silver and associates im dealing with, they are harder to find, i found there page once but dont remember how. I think I found it because i had their mailing address, but thats at home and im at work!
12-12-2008 08:07 PM
I would file immediately a complaint with the OK and IL Attorney General's offices, the BBB and the FTC, for multiple violations of the FDCPA for posing as attorneys, for stating that a lawsuit had been filed against you and failure to send dunning letters.
Send them immediately a DV letter.
I think you have the possibility to file between $2,000 and $4,000 in FDCPA violation fines.