If there is no actual suit, (which, depending on the court, may not show up in the court files prior to being served), then they have broken the law. In fact, unless they actually intend on suing, they have broken the law.
possibly a problem here. "adding more money onto the debt", is a bit vague. Depending on the contract surrounding the debt, they may or may not be able to add anything to the debt. Unless the contract allowed for penalties of some sort or interest, they cannot add anything to the amount of the debt. As to legal fees; unless the contract allowed for legal fees, the best they can do is ask the court to award them, if they sue you.We will be going ahead with this and will add more money onto the debt as the months go with the debt not being paid along with legal costs as well.
the problem is: what are you or can you do. If they have violated the law, you can sue them under the FDCPA.
so, any idea what the debt is? is it yours?

