Bonded CA's

What is the name of your state? KY

Can a CA sue you if they are not bonded in your state?

[bigun]

They can sue but. they shouldn't win. Here's how a poster named Wert handled a similar situation in Fl. Hopefully he'll jump in.
[url]http://forum.freeadvice.com/showthread.php?threadid=159281[/url]

Post this at [url]www.creditboards.com[/url] and give the name of the ca. Some over their have been successful using state bonding/liscensing requirements to fend of collectors. Here'a leter one lady had success with:

[url]http://www.creditboards.com/phpBB2/viewtopic.php?t=4924[/url]

[wert]

Here I is!!

Get something in writing from your state saying they are not licensed/bonded. You will also need a copy of the regulation that says they have to be.
You have the responsibility of teaching the judge about this part of the law. Most don't know it. ANY think you say, back it up with a copy to show him.
Their lawyer is going to say they don't have to be for a variety of reasons. Judges, from what I have found out, absolutely hate it when a CA tries to take advantage of someone in their state. Especially is this happens to be an out of state CA. But, it's your job and responsibility to prove your case.
Most CAs use a third party company to make sure they are licensed in all the states, even their home state. They can sue you, and collect, if you don't prove otherwise. There are literally millions of dollars being collected every year from unlicensed CAs.

When you are right, court is actually fun-it's just a terrible waste of time.

[bigun]

Thanks for helping Wert. Stick around!

How do I found out if a CA is bonded in my state? I'm having some trouble out of Lenahan Law Offices out of Buffalo, NY. Have been told they are also violating the law by using "Law Office" in their name. Also, what prompted me to call them back is they left a message on my machine saying I was being turned into the court with a social security number fraud case. Wouldn't that be a misrepresentation of the nature of the call? A violation of the FDCPA? Also, never got the letter they are suppose to send 5 days after initial contact. I clearly disputed the amount the lady quoted to me. Now they say they are suing me, but I haven't heard anything as of yet. The SOL has not yet passed, and I think they would probably win. But what can I do about the FDCPA violations?

[wert]

It should be public knowledge. Your state should have a website.

[url]www.lawdog.com[/url] might be a good place to start. It's a good site about the law and lets you link to every state. Go there and explore.

Thanks wert. It appears my state has no specific licesning or bonding requirements. So I guess I can't use that angle. i think I know why she misrepresented the amount of the debt now though. The last time I knew it was only like $650 but she quoted $999. A lot of CA's will not prosecute legally unless the amount is close to $1000, so my amount was probably conveniently changed. Well they will not get by with it!!!