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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO