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  1. #1
    Join Date
    Apr 2013
    Posts
    1

    Default Threatened With a Collections Lawsuit

    My question involves collection proceedings in the State of: Kentucky

    There is a company named CRA threatening a lawsuit with me. Whenever I've called them in regards to a settlement, no one ever answers with the name of the company. When I've asked them what company I was speaking too, i've heard both CR associates and CRA. There is not website for them but many scams and reports on various websites including Ripoffreport.com. On the rip off report, it says they go by a plethora of different names, most centered around the letter "C" and "R". I googled the address given to me through email on an out of court settlement document and when I google mapped it, it was a pretty crappy looking strip mall. I've never even received any paperwork from them prior.

    They're threatening to sue me for around 2k, about triple the amount of the debt in question and seemed really pushy about getting a payment as fast as possible. They said they couldn't settle out of court after I had recieved my summons/paperwork. I called my local courthouses here and there are no civil cases filed against me even though the person on the phone claimed that they needed to confirm if I would be home tomorrow so I could be served? When I look at my credit report, the debt in question says it has been purchased by another lender (i believe around 4/1/09) but it doesn't say to who and doesn't have anyone else as holding debt from that original credit card company. I'd really like to take care of any debts I have outside of court but I have no idea if this CRA place is trying to scam me or not. I have the money, just don't want to give it any con artists. What should I do? What should I ask and to whom?

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

    Default Re: Threatened With a Collections Lawsuit

    It may well be that they're bluffing. There are plenty of marginal debt collectors in this world, and some of them will commit flagrant FDCPA violations (such as threatening a lawsuit when they have no intention to sue, or when the debt has expired under the statute of limitations) in order to get debtors to pay them.

    However, we have no ability to investigate this debt collector for you, nor do we have any ability to comment on the underlying debt, as we have no factual context.

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