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  1. #1
    Join Date
    Sep 2007
    Posts
    3

    Default 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.

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default 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?

  3. #3
    Join Date
    Sep 2007
    Posts
    3

    Default 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.

  4. #4
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default 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.

  5. #5
    Join Date
    Sep 2007
    Posts
    3

    Default 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.

  6. #6
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default 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.

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