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

I do live with her. But not sure how they located that since that was only a recent change.

If parents are local, that's probably the second place they will try to find you, if your first address didn't work out. Don't be scared of the process server, especially if you are planning to work it out with them. If i'm getting served with court documents, I'd rather get served at home than at my new job or something.

It's basically laying the groundwork, if you settle with them, it will likely never go to court. Just because you are being sued doesn't meant you are definitely going in front of a judge.

From page one of this thread, imo Conrad is partially correct. A 3rd party has purchased the debt, but in addition to having no moral obligation to pay a third party you have absolutely no legal obligation either. I am assuming you have no contract for repayment with the third party, and if that be the case you (legally) don't owe them anything! When "they" have contacted me in the past, I simple thank them for paying off the debt, followed by telling them to go away permanently because "we" have no contract in place for repayment. About that time they hang up on me. lol

If anyone from a collections agency ever came on my property without an invitation, I would give them a simple choice: either leave immediately or I'm calling the cops for harassment and trespass.

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Quoting My name is Pete

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A 3rd party has purchased the debt, but in addition to having no moral obligation to pay a third party you have absolutely no legal obligation either.

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That is not correct.

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Quoting My name is Pete

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I am assuming you have no contract for repayment with the third party, and if that be the case you (legally) don't owe them anything!

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Again, not correct.

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Quoting My name is Pete

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When "they" have contacted me in the past, I simple thank them for paying off the debt, followed by telling them to go away permanently because "we" have no contract in place for repayment. About that time they hang up on me. lol

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There's nothing to point to trying to argue with somebody who doesn't understand the law.

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Quoting My name is Pete

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If anyone from a collections agency ever came on my property without an invitation, I would give them a simple choice: either leave immediately or I'm calling the cops for harassment and trespass.

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If it's a process server, though - even assuming the process server isn't a court officer or deputy - once you're served, you're served.

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Quoting aaron

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That is not correct.

Again, not correct.

There's nothing to point to trying to argue with somebody who doesn't understand the law.

If it's a process server, though - even assuming the process server isn't a court officer or deputy - once you're served, you're served.

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Ok, you've done tremendous fault finding but you have not stated why I am wrong. I encourage for you to voice your opinion of why you feel I am wrong, afterwards, if need be, I will clearly explain to you why I am not wrong. What I have stated is not theory, I have actually done it myself.

And once one is served thru a process server in a civil suit, there is a way to legally "unserve" (for lack of a better word) oneself.

"It is a common and accepted business practice in the United States for credit grantors to sell delinquent consumer accounts."

Next time, before demanding that we spend time refuting your ignorant, false claims, perhaps you could contemplate why you are unable provide any legal authority in support of your own claims. If you only post claims that you can actually support, on the whole that should save time for everybody.