My question involves collection proceedings in the State of: California, Sacramento
I received a letter a couple of months ago regarding a credit card debt with Capital One. I've been a good customer with them until I was laid off a few years ago. The bill ($2300) has gone to a collection agency Portfolio Recovery and I believe Hunt and Henriques Law Firm has now sent me a letter. They have indicated in the letter that I can make payment arrangements. I haven't started this yet because they want checking account info which I'm not willing to give. I may do money order. They don't take debit/credit cards over the phone. My question is that now someone has been coming to my house. Once during the day and one time at about 8:20pm. I've never been home to see them - only my mother. I'm assuming he is a debt collector? He said he cant share any info with my mother. Not sure what it is. Someone else told me it could be a process server?
I'm a bit afraid to make contact with this individual because I'm not sure what verbal exchange should take place.