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Letter from "Debt Lawyer"

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Junior Member
What is the name of your state? CALI


Dear Mr, ****

This is an attempt to collect a debt and all information obtained will be used for that purpose.

Your account with Nat Credit Adjusters in the above amount is delinquent and was referred to this office for collection, as all efforts by my client to pursuade you to voluntarily pay have failed.

Unless you contest the validity of this debt, or any portion thereof, by contacting this office within 30 days after receipt of this notice, it will be assumed to be a valid debt. If you notify the office within the 30day period that the debt, or any portion thereof, is disputed, this office will obtain verification of this debt or a copy of the judgement against you and a copy of such verification or judgement will be mailed to you by this office. Upon you written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor.

This will be your last opportunity to pay this amount. If you contact National Credit Adjusters at 1-800-542-10** and can make satisfactory arrangements to retire this debt, we will forego further prosecution of this civil action.

If arrange ments are not made for payment, then a lawsuit will be filed against you for recovery of the principal balance, PLUS all interests, PLUS legal fees not to exceed 15% of the principal balance PLUS court costs.

Court action may be commenced without waiting the thirty days.


Isn't this letter illegal??? Were do I stand. This is a third party collector now right???

Please help.


Senior Member
Definitely a 3rd party. Actually this "National Credit Adjusters" (what a ridiculous name !) is either the collection agency or a junk debt buyer.

How old is the debt they're after you for ? When did you last pay the original creditor ?

Is this lawyer a LOCAL attorney or at least in your state ?

What makes you think this letter is illegal ??

There's only 1 thing that smacks of possible violation:
can make satisfactory arrangements to retire this debt, we will forego further prosecution of this civil action.
To the 'least sophisticated consumer' that would probably make them think a lawsuit is already in progress when it is not.

They did give you the 30 days to dispute so if you're going to do it, do so within this 30 day window.


Senior Member
hectorartm said:
Isn't this letter illegal???
There is nothing illegal about that letter.

Were do I stand.
HUH?? You 'stand' owing a debt to someone and they want, and expect, to be repaid for th money they loaned to you.

this is a third party collector now right???
Yes. It appears to be collections attorney.


Junior Member
1. - Yeah, this is not the Nat. Credit Adjusters is not the original creditor. I know that, but this new guy, did he buiy the debt from Nat Credit Adjusters now?

2. The debt is about 3 years old, about 3 years.

3. Out of state

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