12-14-2012 02:43 PM
12-14-2012 03:52 PM
Is there a reason she can't just call them herself? There is nothing magical or mystical about the whole thing, just grab the tiger by the tail and get to work on fixing your mess. If somebody else had done all the work for me, I probably would not have learned my lesson, or felt the satisfaction of knowing what I had accomplished.
12-14-2012 03:53 PM
12-14-2012 04:10 PM
Attorney myself for over 12-yrs and 2 thoughts here:
12-14-2012 04:14 PM
12-14-2012 04:15 PM - edited 12-14-2012 04:19 PM
it is illegal (its actually a felony) to claim you are an attorney and handle her debts if you're not actually an attorney...It would essentially be viewed as practicing law without a license which is a felony. I would definitely go with the brother route...
12-14-2012 04:32 PM
12-14-2012 04:41 PM
oh...ok...sorry, from the original post it sounded like you were going to say you were an attorney for a more aggressive approach...yeah, I definitely would not be qualified to even attempt to answer that question...
12-14-2012 07:18 PM
I knew Duncanrr was an attorney! LOL
OK, here's how it should go. She should actually contact them herself, I know you say it's hard for to do this, but it's the best starting scenario. Now if you want to type her snail mail or emails for her and she agrees to those, it's perfectly fine. When contacting the debtors, they probably won't talk to anyone except her, unless she gives some sort of permission for you to speak for her, as her brother that is helping her handle her affairs.
Now when contacting as her attorney, once the creditor is aware that she has legal counsel, all communications should come through you. This I believe would be an escalation of her handling things on her own.
So, maybe start with a few snail mailings, see what that gets, consult with her on your progress. If you need her to make a phone call, then you write it down and help coach her through it. I very much stress including her in the proceeds. I've been working on my DW's and I inform and ask her about everything.
If everything else fails, whip out the lawyer card. Anyway, that's my 2 cents on it.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.