I have a issue with this attorney that is very rude. I am very intimidated by this man and would like advice as to what I need
I have a issue with this attorney that is very rude. He called me last night and said I owed a debt and he was representing the other party. He wanted to get a debit or credit card over the phone to make payment arrangements. This is from 2003. I looked into the case number he gave me at the court house and found that the case was closed in June of 2009. I got copies from the court house and called to send them to him but he started swearing and threating he would file a contempt of court and throw me in jail. He said he would make my life hell. I am very intimidated by this man and would like advice as to what I need to do.
Well, it's unfortunate to hear that you are being harassed and also in an unprofessional manner by an attorney who is trying to collect on a resolved debt.
You have a few options, ranging from ignoring the attorney, to sending them a cease and desist letter, all the way up to seeking legal representation to sue the attorney if you think he has violated the Fair Debt Collection Practices Act (FDCPA).
If I were in your shoes, I would probably start by sending him a cease and desist letter and also a debt validation letter. See this informative site for help on free forms that you can complete yourself: http://www.bills.com/debt-DIY/
You can also seek counsel from a local attorney, but hopefully he will disappear, assuming that you did indeed settle the debt in question.
Also, just so you know... I answered a question similar to yours in my blog recently. Please go to the following link to read my answer to a fellow reader: http://www.bills.com/being-harrassed-by-collector/
I hope this information helps you Find. Learn & Save.
Dealing with debt
Mortgages, credit cards, student loans, personal loans, and auto loans are common types of debts. According to the NY Federal Reserve total household debt as of Q2 2022 was $16.15 trillion. Housing debt totaled $11.71 trillion and non-housing debt was $4.45 trillion.
A significant percentage of people in the US are struggling with monthly payments and about 26% of households in the United States have debt in collections. According to data gathered by Urban.org from a sample of credit reports, the median debt in collections is $1,739. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. The median debt in collections is $422.
Each state has its rate of delinquency and share of debts in collections. For example, in Montana credit card delinquency rate was 2%, and the median credit card debt was $462.
Avoiding collections isn’t always possible. A sudden loss of employment, death in the family, or sickness can lead to financial hardship. Fortunately, there are many ways to deal with debt including an aggressive payment plan, debt consolidation loan, or a negotiated settlement.