Attorney placement pending letter

[NewPage]

Today, however, I received a letter from Discover Card that informs me they have been authorized to proceed with legal action and have given me until January 31, 2011 to respond or they will forward my account to an attorney and obtain a judgement against me. OK, I knew this would eventually happen and have been preparing for it. My question is this; is this just a tactic the credit card companies use? Do I still have some time before they actually file a judgement against me? Should I go ahead and file? I was hoping I had longer than 6 months. Thanks to those that take the time to read this and to answer.

I had the same letter from Discover, only my time was "up" in I think September. I was served today; the date the suit was filed was November 18. So they actually did not waste much time once the date on the letter had passed. I've got posts here about that; I'll look to see exactly when the dates were.

[NewPage]

Yep, same letter - -

ATTORNEY PLACEMENT PENDING

Dear NewPage:

We have been authorized to proceed with legal action to secure the balance you currently owe us as of August 5, 2010.

If we do not hear from you by 8:00 PM Eastern time on September 30, 2010, your account will be forwarded to an Attorney to obtain a judgment against you.

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

CALL NOW BEFORE YOUR TIME EXPIRES!

Patti Whitmer
DFS Services LLC

[daytona]

Well after reading about other peoples experiences with discover on some of the dedicated "debtor boards", I will change my statement...it does appear Discover operates A LOT different than most...they will almost certainly sue..... Thier letter is still somewhat misleading to the "unsophisticated" consumer in that it states they WILL obtain a judgement against you...they still have to win....but unfortunately they are the OC and not subject to FDCPA...possibly still subject to state law violations though if you want to press and depending on where you live....

[dneil]

Do not keep any money in your account. They can get a judgment and take every single red penny. I kept nothing in my checking account and I closed my savings. I bought money orders from walmart and paid my bills that way. Good Luck