ways to handle a crook

[darude]

what's the best way to deal with a creditor that won't back down and take a settlement off to close out the account and be done with it? this creditor has also threatened me with putting me in a cruiser and hauling me to the courthouse and putting me in front of the judge. as well as threaten to sue me before they actualy sued me because they still haven't sued me. I belive I also have them in some violations

 

[quincy]

what's the best way to deal with a creditor that won't back down and take a settlement off to close out the account and be done with it? this creditor has also threatened me with putting me in a cruiser and hauling me to the courthouse and putting me in front of the judge. as well as threaten to sue me before they actualy sued me because they still haven't sued me. I belive I also have them in some violations

What is the name of your state, darude?

Here are two links, one from the FTC on the FDCPA, and one from Nolo on "What Can You Do If a Debt Collector Violates the FDCPA?:"

the FTC: http://www.consumer.ftc.gov/articles/0149-debt-collection

Nolo: http://www.nolo.com/legal-encyclopedia/what-can-you-do-if-debt-collector-violates-the-fdcpa.html

These should answer your questions.

 

[ShyCat]

Note that the FDCPA applies to third-party debt collectors. Original creditors are not subject to the FDCPA.

 

[FlyingRon]

The creditor is not obliged to take anything other than full payment on the debt. The real crook is the person who doesn't pay his debts.

You need to tell us your state. Depending on the state, there may or may not be a violation of law here. As pointed out, the federal rules only apply to third party collections.

 

[davew128]

Personally I would handle a creditor like that in the same manner I handle anyone else like that. If they get off the phone and they're in tears, I did my job.

 

[darude]

The creditor is not obliged to take anything other than full payment on the debt. The real crook is the person who doesn't pay his debts.

You need to tell us your state. Depending on the state, there may or may not be a violation of law here. As pointed out, the federal rules only apply to third party collections.

i'm in califorina and I am trying to pay my debt's nor have I charged anything in over a year. it's not like i'm buying a 50 inch screen t.v. and running I say say the person doing that is a thief!! right now the economy sucks!!

 

[OHRoadwarrior]

Which crook are we talking about? The one who doesn't want to pay his debt or the one trying to collect it?

 

[justalayman]

So, is this the actual creditor trying to collect on their debt or is it a collection agency?

If you want answers you have to give up some information.