dog wrote:as always, this is general legal information and you should contact an attorney licensed in your jurisdiction for legal advice specific to your case. no atty client relationship is formed between you and me via this posting.
dog wrote:testing macro, sorry.cave canem....
the general legal information that dog provides is just that- information. for legal advice specific to your situation, you should always contact a lawyer licensed to practice in your jurisdiction. no lawyer/client relationship has been formed, or should be assumed, by any of dogs posting!
Whoa just hold on a minute, Booster...
In my opinion, I think the collection agency dirtbag (employee) was just playing hardball with you. I can't imagine a creditor authorizing an agency to sue you for such a small balance. If I were you, I'd send them a written letter demanding that they validate the debt and stop calling you at home. Then, tell them you are contacting the original creditor to report this harrassment.
After you do that, call the original creditor and try your best to speak with the President or CEO's office, explain your situation and offer to bring the debt current with payment arrangements DIRECTLY WITH THEM, not with the scumbags (collection agency) that threatened to sue you over such a small amount of money.
And if you don't mind, how about sharing the name of the collection agency with the rest of us? They need to be exposed for their gutter tactics! Go get em and good luck!