Collectors

[creditstricken]

What is the name of your state? Texas

I have a collector, who in the past when I asked for his address, starts yelling and ignoring my question and then hangs up. I want to communicate in writing only. They have been notified that I am not at liberty to receive calls at work. Today, I received no call, but my Supervisor did. They told her that if I did not call them within the hour, there would be a sheriff to serve me with a summons at my place of business. When I called them I was told that he only asked her about the "protocol for receiving a summons" which was obviously a lie. She told me with much concern what was spoken to her. Are collectors allowed to invade your work in this manner?

When I returned his call, I was finally able to get the address after a long pause away from the phone. I do plan to write and request that all our communications be in writing and ask for validation of the debt they are asking me to pay. There has been no payment on this debt in almost 3 years (in November). What are my chances of a "sheriff showing up with a summons"?

 

[JETX]

"What are my chances of a "sheriff showing up with a summons"?"
*** No one can say, especially without knowing the amount of debt (much higher chance for $4k, minimal change for $40) or who the creditor is.

A 3rd party debt collector is NOT allowed to contact your employer AFTER you tell them not to.

It is clear from your post that you are not dealing with a reputable debt collector. I would strongly suggest that you be aggressive in asserting your rights.

You might take a look at www.creditinfocenter.com/. They have LOTS of good information on what a debt collector can NOT do and what to do if they do.

 

[adevine]

JETX, When you talk about the amount of the debt, are you referring to the debt with all included charges as it now stands with the CA or the original debt with the CC? Thank you.

 

[JETX]

The amount of the debt is whatever is currently CORRECTLY outstanding. If it is sufficient enough (your post makes no mention of amounts), then the creditor is much more likely of initiating legal action to collect then if it is a small amount.