I am in NY. A debt collector law firm, Mel Harris has frozen my bank accounts due to a credit card debt I owe. I spoke with them and mentioned that in order to release the holds, they need bank statements and the letter from my mortgage company that states that I am in warning of a potential foreclosure(we are in modification plans).
They said because of the possible foreclosure they can release the hold and we will need to make arrangements to pay. I agreed to talk about a payment arrangement in the next phone call. My question is could they have lied to me and will take the money that is in the bank now instead of letting me pay them off?
ALSO...I did recieve subpenas, but they had old dates that I didn't recognize, as if I had gotten a subpena before(which I didn't) and they had no court dates or locations.
Did they have the proper judgements to freeze the accounts? Do I have grounds to vacate the judgement? What is involved? I know in the end, I need to pay off this debt, but my concern today is to get the bank unfrozen. The money in the bank is my mortgage payment that is crucial to preventing the foreclosure procedings.
Please help
They said because of the possible foreclosure they can release the hold and we will need to make arrangements to pay. I agreed to talk about a payment arrangement in the next phone call. My question is could they have lied to me and will take the money that is in the bank now instead of letting me pay them off?
ALSO...I did recieve subpenas, but they had old dates that I didn't recognize, as if I had gotten a subpena before(which I didn't) and they had no court dates or locations.
Did they have the proper judgements to freeze the accounts? Do I have grounds to vacate the judgement? What is involved? I know in the end, I need to pay off this debt, but my concern today is to get the bank unfrozen. The money in the bank is my mortgage payment that is crucial to preventing the foreclosure procedings.
Please help