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Discover card letter- Call us or we sue.

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    #1

    Discover card letter- Call us or we sue.

    Just got a letter for discover card that says we need to call them by September 30th , or they intend to start legal action with an attorney and sue us.
    How long does it usually take? the letter is coming from them, not an attorney's office. Got a follow up phone call on it today too, they left a message reqwuesting us to call them back to make sure we understand the "severity" of the letter.
    What do you think? another scare tatic? Or are they really getting ready to sue?
    We are hoping to hold out filing until Nov. 1st.
    Anyone have experience with them?
    Thx
    Tags: None
    #2
    PS. It's an $8k balance.

    Comment

      #3
      Probably a scare tactic.

      They want you to call them back. When you do, they will be in control.
      Golden Jubilee was a year-long celebration held every 50 years in which all bondmen were freed, mortgaged lands were restored to the original owners, and land was left fallow: Lev. 25:8-17

      Comment

        #4
        got a couple of those too. just wait until you get an official letter from a law firm, then send a DV. if you filing in Nov. you should be fine
        Stopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7

        Comment

          #5
          How long has it been since your last payment? We have 2 Discover Cards and would like to know what to expect. Thanks
          Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
          "One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."

          Comment

            #6
            We stopped paying in June. how long does it typically take for them to sue? They have to secure an attorney in our area right? The reason we are so freaked out, is because hubby might be making 50k in the next 3 months, and we are hoping to settle out wit the creditors istead of filing. we're not absolutely sure what we are going to do yet. We won't know until the middle of oct. So should I send a token payment?

            The letter came priority mail and says:

            ATTORNEY PLACEMENT PENDING

            Attention- Our names & account info

            Dear XX,
            We have been authorized to proceed with LEGAL ACTION to secure the balance you currenty ownus as of September 14th 2009.

            If we do not hear from you by 8:00pm EST on SEPTEMBER 30th, 2009, your account will be forwarded to an ATTORNEY TO OBTAIN A JUDGEMENT AGAINST YOU.

            To stop this action, call us immediately to make acceptable payment arrangements.

            CALL US NOW BEOFRE YOUR TIME EXPIRES!

            sINERELY,
            dfs

            Comment

              #7
              that is just the standard threat letter. even after they forward to the attourney it will take some time. sheesh, they havent even charged off yet and their sending that. I stopped paying mine in january and nothing yet except those same type of letters.
              Stopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7

              Comment

                #8
                albacore44- THANK YOU for easing my fears. We really just need to decide what to do, when do they charge off? will we get a letter saying "we're gettng ready to charge off?"?
                How much is yours for too, if you don't mind my asking. OUrs is for 8200

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