Financial terrorism!
I am mindful a few years ago suddenly hearing a multitude of people saying they were being harassed by persons calling from a Collection Agency.
There were many stories from threats to damaged credit ratings to calling employers to outright racist provocations to repeatedly telling the caller they had the wrong “John Doe”.
Most of the time, anything you would say would be of no avail. You would be told once the account goes into ‘collections’ bad things would happen to you if you did not pay what you consider a bogus, and sometimes, fabricated bill.
If the collection agency continues calling you, you may now be a victim of financial terrorism. I heard the phrase (I think) from T.J. Holmes of CNN. The phrase is new to me and eventhough it does not have a legal definition at this time, it could not hurt using it on the complaint you file in the court along with the word ‘harassment’.
It you do not owe the agency the money, BEG them to take you to court and by no means be flippant about it. If they still persist in harassing you, you may at this time need judicial intervention. Don’t be shy. Let a judge help you sort it out. Be sure you send the complaint to the right "Resident Agent" for the company. If you can not find it, send it to the President of the company.
The judge can help you a lot if your suit is $5000.00 or under. Going over $5000.00 in my state ushers in other financial situations due to the fact I would be asking for more money. Without a lawyer, I would suggest staying at $5000.00 or under.
I repeat; it would no longer do any good pleading your case to the collection agency. Talking to them would only delay the process. Let them now pay a lawyer to defend themselves in court. The lawyer will get in touch with you. Make him write you a letter. Insist on it! Everything you need to know should be in that letter.
Finally, Google the name of the collection agency. You may be surprised at what you find.
As always,
BB
P.S. If you are in advanced age, you should note a bad credit rating could effect getting into the nursing home of your choice or your families choice. Moreover, upon your demise, your estate could be settled with a bill of any proportion your family knew nothing about and scratch their heads wondering why in the world you would order a pair of water skis and Reyes boxing gloves or, if appropriate, a few things from Victoria Secrets when you couldn’t even take your medicines or get to the bathroom on time. However, your family may have to pay the agency in order to get death certificates.
There were many stories from threats to damaged credit ratings to calling employers to outright racist provocations to repeatedly telling the caller they had the wrong “John Doe”.
Most of the time, anything you would say would be of no avail. You would be told once the account goes into ‘collections’ bad things would happen to you if you did not pay what you consider a bogus, and sometimes, fabricated bill.
If the collection agency continues calling you, you may now be a victim of financial terrorism. I heard the phrase (I think) from T.J. Holmes of CNN. The phrase is new to me and eventhough it does not have a legal definition at this time, it could not hurt using it on the complaint you file in the court along with the word ‘harassment’.
It you do not owe the agency the money, BEG them to take you to court and by no means be flippant about it. If they still persist in harassing you, you may at this time need judicial intervention. Don’t be shy. Let a judge help you sort it out. Be sure you send the complaint to the right "Resident Agent" for the company. If you can not find it, send it to the President of the company.
The judge can help you a lot if your suit is $5000.00 or under. Going over $5000.00 in my state ushers in other financial situations due to the fact I would be asking for more money. Without a lawyer, I would suggest staying at $5000.00 or under.
I repeat; it would no longer do any good pleading your case to the collection agency. Talking to them would only delay the process. Let them now pay a lawyer to defend themselves in court. The lawyer will get in touch with you. Make him write you a letter. Insist on it! Everything you need to know should be in that letter.
Finally, Google the name of the collection agency. You may be surprised at what you find.
As always,
BB
P.S. If you are in advanced age, you should note a bad credit rating could effect getting into the nursing home of your choice or your families choice. Moreover, upon your demise, your estate could be settled with a bill of any proportion your family knew nothing about and scratch their heads wondering why in the world you would order a pair of water skis and Reyes boxing gloves or, if appropriate, a few things from Victoria Secrets when you couldn’t even take your medicines or get to the bathroom on time. However, your family may have to pay the agency in order to get death certificates.
posted by BB at 2:22 AM
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