First of all, I retained a lawyer two years ago, and stopped making credit card payments (eight credit cards, $20,000 debt at the time, five actual creditors in total), on his advice, at the same time. I never went through and filed, as I couldn't afford it back then. When I started a new, better paying job, I decided to hang back and see if I ever got sued before filing. Is this the time?
First of all, I never entered into any agreements with any collection agencies. I stopped answering the phone 21 months ago, and eventually changed my number. The letters and settlement offers slowed to a trickle, but I still get one every once in a while. I usually take a quick glance and throw them out.
Then today I got a letter from a local lawyer telling me that I'm being sued, apparently by Stellar Recovery. All it contains is a vague line that there was a filing at the "Court House", that "one or more" of my creditors has "filed suit" against me. At the top is says re: Stellar Recovery v (my name). Then it goes on about not being ashamed to file, yadda yadda.
Obviously, if this is true, I won't use a lawyer who reaches out with this sort of tactic, but I'm a little worried. He seems to be a legit lawyer though. Shouldn't I have been served if I was being sued? I don't know if I ever even got anything in the mail from Stellar Recovery, but my girlfriend says the name sounds familiar.
I would have otherwise been prepared for this, but my company is putting someone from my job on a ten week furlough, starting the first week of July, and I have the lowest seniority, so....
First of all, I never entered into any agreements with any collection agencies. I stopped answering the phone 21 months ago, and eventually changed my number. The letters and settlement offers slowed to a trickle, but I still get one every once in a while. I usually take a quick glance and throw them out.
Then today I got a letter from a local lawyer telling me that I'm being sued, apparently by Stellar Recovery. All it contains is a vague line that there was a filing at the "Court House", that "one or more" of my creditors has "filed suit" against me. At the top is says re: Stellar Recovery v (my name). Then it goes on about not being ashamed to file, yadda yadda.
Obviously, if this is true, I won't use a lawyer who reaches out with this sort of tactic, but I'm a little worried. He seems to be a legit lawyer though. Shouldn't I have been served if I was being sued? I don't know if I ever even got anything in the mail from Stellar Recovery, but my girlfriend says the name sounds familiar.
I would have otherwise been prepared for this, but my company is putting someone from my job on a ten week furlough, starting the first week of July, and I have the lowest seniority, so....
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