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  1. #1
    Join Date
    May 2012
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    29

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

    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.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

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

    It sounds more likely that you've been sued and they're trying to serve legal papers. I haven't seen or spoken to the person at issue, so I can only guess.

  3. #3
    Join Date
    May 2012
    Posts
    29

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

    Quote Quoting Mr. Knowitall
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    It sounds more likely that you've been sued and they're trying to serve legal papers. I haven't seen or spoken to the person at issue, so I can only guess.
    Huh? They sue people who've been laid off? What the heck?!

  4. #4

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

    Of course they sue people who have been laid off. You owe them money which you have not been paying back. You had numerous chances to make payment arrangements and now they're taking you to court. If they win they will be able to garnish your wages from your next job.

  5. #5
    Join Date
    May 2012
    Posts
    29

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

    Quote Quoting rebeka
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    Of course they sue people who have been laid off. You owe them money which you have not been paying back. You had numerous chances to make payment arrangements and now they're taking you to court. If they win they will be able to garnish your wages from your next job.
    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.

  6. #6

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

    You charged the items and so you owe the money. They're a business and expect to be paid. They can't afford to give anyone a break-that's not how they make money. Did you cancel your cable TV? I find it hard to believe that you couldn't spare even $10/month for them. They are/were willing to work with them and it sounds like you blew them off so now they're coming after you. It was your responsibility.

  7. #7
    Join Date
    Feb 2010
    Location
    CT & IL
    Posts
    5,273

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

    Quote Quoting heyjoojoo
    View Post
    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.
    You should have not incurred the debt ...

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