Got a Letter from a "Firm", Now Someone Coming to Mother's Home

This forum is about providing accurate legal information. A lecture about the morality of paying bills is quite obviously an expression of opinion. Conrad can state whatever opposing opinion he wants (although opinions belong in the banter or debate forums). The problem is that he made (and makes) numerous incorrect statements of law. If he doesn't know what the law is, he needs to leave the answering to people who understand what they're talking about.

I doubt that you are within 30 days of your first notice from this collector but if you are, by all means, exercise your right to verification under the FDCPA. If you believe the plaintiff's lawyer may be receptive to negotiating over your debt, there's no reason not to attempt to negotiate. If you plan to say, "I can't and won't pay a cent," I don't expect negotiations to last much longer than the time it takes you to make that statement.

I was just going to jump on the same bandwagon as KnowItAll. You need to go somewhere else Conrad. They DO morally owe the debt.

OP it is a process server i bet. Nothing to be afraid of they will just hand you paperwork and you sign for it.

You are so past the debt validation game that it's not even funny. You've been sued. Meet the process server, be served, answer the complaint and go from there. Expect them to get a judgment and if you don't pay it to their satisfaction, then expect to have your wages garnished.

Hunt and Henriques does this in their sleep. It's all they do.

Oh.
I just read your last reply.

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Quoting heyjoojoo

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Yes, I've had chances but one cannot make payments if they're not making an income. I just got a job three weeks ago. So, despite being given numerous chances, if an individual is unable to get a job, then what is a person to do? I almost lost my car but thanks to a credit union, they were more forgiving.

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You should have not incurred the debt ...

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Quoting CourtClerk

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You are so past the debt validation game that it's not even funny. You've been sued. Meet the process server, be served, answer the complaint and go from there. Expect them to get a judgment and if you don't pay it to their satisfaction, then expect to have your wages garnished.

Hunt and Henriques does this in their sleep. It's all they do.

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Just a couple of days ago, they were going to setup a payment plan with me. They would do this while they're suing me??

Yes... They could.

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Quoting df04527

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Yes... They could.

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Huh? So, is it too late for me to do anything?

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Quoting heyjoojoo

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Just a couple of days ago, they were going to setup a payment plan with me. They would do this while they're suing me??

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Absolutely. That way, if you don't follow through with your voluntary payment plan, they can take the money from you INVOLUNTARILY without further delay. It's actually very smart to do it that way.

May I ask this: Why are they going to your mothers house?

- Do you live with her?
- Did you use her address?