Credit Card Debt and Threat of Felony Charges
Yesterday I got a call from my parents (away in college) telling me that a collection agency/firm wanted to talk to me. I called the agency back and come to find out that I am being sue on an old credit card that I had my freshman year in college. I due remember the debt on the credit card was $800-900 now their saying that there sueing me for $6,384.46 for interest and attorney fees.
The gentlemen also told me that I will be summoned to court on the charges and if I dont pay, that I will be charged on a count of felony for fraud charges on the misuse on a credit card is that possible? Can I really be charged with a felony for not paying my credit card debt? I even asked him if I can do monthly payments and he said that I can only settle out of court for half the claim or the felony charge will be brought up against me. I completely dont understand how this is possible or not? Can you please help thank you.
Re: Credit Card Debt and Threat of Felony Charges
The debt accrued how long ago, in what state? The contact is from the original creditor, or from a separate collection agency? What is the factual basis upon which they could supposedly file a felony charge?
Re: Credit Card Debt and Threat of Felony Charges
The debt occured in 2001 in the state of Florida. The contract is from Version Credit Card which I guess they transferred everything to a debt collecting agency. Their filing it on the bases of me not making payments on the credit card. I dont even have any of the paperwork which what I am trying to get now from them now. I am totally confue about this whole situation.
Re: Credit Card Debt and Threat of Felony Charges
If the default occurred in 2001, it appears that the statute of limitations would have run. Also, a debt collector should not be threatening criminal charges in order to try to scare you into paying a debt. Consider filing a complaint with your state attorney general's office.
Re: Credit Card Debt and Threat of Felony Charges
So let ask you again so there is no way that I can be charged with a felony for fraud on a deliquent credit card debt at all? That is my main question to you please.
Re: Credit Card Debt and Threat of Felony Charges
I am not familiar with the facts, or what you allegedly did which could be construed as fraud, so I cannot add anything to my prior statement.