got first serious sounding letter

[crashzx]

The letter was from the richardson law firm in Clarksville, tn. It says my debt has been sent to there office for collections and if I dont contact them to dispute it they will sent me a copy of a judgment. All in the 30 days mind you. I checked all my creditors and they have all charged the original amount off. Are these people bottom feeders or working for the original creditor? How long do I have or is it just another attempt to collect like all others. Should I call them and tell them I will settle for a reasonable amount or just tell them I am planing on filing in 2 weeks like planed.

All we have to do is take the BS credit course over the phone or internet and go to the lawyer and pay him and file. Got his money and all if not most information and paperwork..woohoo!!!!! Man..Almost there.

[southernbelle]

For you own sanity, I would ignore these people. It's another scare tactic to throw you off your game to get you to contact them so that they can collect. To get a judgement they would need to go to court and that takes more than 30 days. If you have the money to pay the atty and are about to complete the required credit course, just file the letter away or give it to your atty after you file so that he can handle contacting them. Breathe easy because soon these types of letters will be a distant memory.

[optimistic1]

Tell them to pis* off, file your bk and get on with life as usual. Their threats hold no water.

[BigJohn]

The letter was from the richardson law firm in Clarksville, tn. It says my debt has been sent to there office for collections and if I dont contact them to dispute it they will sent me a copy of a judgment. All in the 30 days mind you. I checked all my creditors and they have all charged the original amount off. Are these people bottom feeders or working for the original creditor? How long do I have or is it just another attempt to collect like all others. Should I call them and tell them I will settle for a reasonable amount or just tell them I am planing on filing in 2 weeks like planed.

All we have to do is take the BS credit course over the phone or internet and go to the lawyer and pay him and file. Got his money and all if not most information and paperwork..woohoo!!!!! Man..Almost there.

You plan on filing soon so don't waste any time with these people.

[AngelinaCatHub]

For you own sanity, I would ignore these people. It's another scare tactic to throw you off your game to get you to contact them so that they can collect. To get a judgement they would need to go to court and that takes more than 30 days. If you have the money to pay the atty and are about to complete the required credit course, just file the letter away or give it to your atty after you file so that he can handle contacting them. Breathe easy because soon these types of letters will be a distant memory.

This is so very true. DO NOT talk to anyone as if you make just one payment, you will violate your whole effort. We were warned about his and a preferential payment would just be a very bad thing for your whole bk. 'Hub

[walkthaplank]

I would spend $5 to send them a DV letter CMRR just so they don't call you, your neighbors, your relatives, your employer... on and on. I did that even though I was literally days away from filing.

[treehugger1]

Look, request a DV and tell them that it is inconvienent to receive phone calls at any time. The statement on a CA/JDB related to the judgment refers to the fact that it could be possible for someone to get a judgment against you. That party can 'sell" the right to collect on the judgment. Unless you have already been served and a default judgment entered against you, it is unlikely that the "we will provide a copy of judgment" piece of the communication refers to you.

[crashzx]

No I have not gotten a judgment against me yet. I thought it sounded like all the others but just wanted your insight. I cant do this alone and love the help all of you are offering. I tell ya we need to have a regional group hug!!! LOL This is so draining but you all make it better!

As soon as I get the new debt card we are going to sign up for the class and get it out of the way. Once that is done its ON!!! I am ready. I cant wait to get to the lawyer and find out how I have prepared. I hope he is happy. I did alot of research on him too.

Just want to time it right on the filing.

[calgirl67]

The letter was from the richardson law firm in Clarksville, tn. It says my debt has been sent to there office for collections and if I dont contact them to dispute it they will sent me a copy of a judgment. All in the 30 days mind you. I checked all my creditors and they have all charged the original amount off. Are these people bottom feeders or working for the original creditor? How long do I have or is it just another attempt to collect like all others. Should I call them and tell them I will settle for a reasonable amount or just tell them I am planing on filing in 2 weeks like planed.

All we have to do is take the BS credit course over the phone or internet and go to the lawyer and pay him and file. Got his money and all if not most information and paperwork..woohoo!!!!! Man..Almost there.

Typical scare tactics from a collection agency. Just send them a Debt Validation letter by certified mail. You will probably never hear from them again. Works every time. Ps. they can't sue you in 30 days.. first you have to be served then actually go to court, takes a lot longer than 30 days.