You need a Consumer Protection Attorney. Currently, I am one of only two NACA members in the State of New Hampshire. NACA is the National Association of Consumer Advocates. Although you are generally correct in that it is usually cost prohibitive to pay an attorney to defend against a collection action in small claims court, I do sometimes help out my clients where we have, or could, successfully bring counter-claims [or a separate lawsuit] for violation of State or Federal debt collection...
I agreed with my colleague Thomas R. Beauvais. This is likely a violation of State law for an illegal usurious loan, therefore, you might not be obligated to pay back any additional funds. But more importantly, there appear to be FDCPA violations here which will entitle you to money damages [up to $1,000] and legal representation at no cost to you.
We would also like to review the voice mail, it is important that you preserve it for evidence. Please contact my office for no cost/no...
I agree with that summary- "a permanent cease fire". So, depending on how much you owed, vs. the seriousness of their violations, it could be a fair deal.
Please consult with a lawyer. Since you are aware of the consumer protection laws, you should also know they provide for your attorney's fees. I routinely handle such claims at no cost to the consumer in reliance on these fee shifting provisions of the law.
Can you be sued? Yes. Are these folks going to sue you? Almost certainly not. This fact pattern fits that of many con-artists and crooks. NEVER pay anyone over the phone unless you called them. ALWAYS request confirmation and/or verification of any alleged debt in writing.
Tenants in a foreclosed home have important new rights under State and Federal Law. Additional information can be found here:
Basically, you're entitled to 90 days notice, and, if you have a lease, you can stay until the lease expires.
I'm sure the Town's lawyer will work with you in a lawful and professional manner. If not, you may consider hiring a lawyer, or contacting legal aid, to assert your rights.
That actually sounds great! As long as the numbers are accurate, it looks like they did everything right. It is often preferable to have the funds properly allocated in this manner rather than in one lump sum check from which employers will often want to deduct payroll taxes, just to cover their own possible future liability.
Nothing unusual here.
You should consult with a consumer protection attorney to protect and assert your rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I practice in this area and you may have remedies available to you.
In Massachusetts, you also have many additional rights afforded you, some of which are available here:
You may be entitled to money damages and you may be able to hire an attorney at no...
You've done the right thing by seeking legal counsel.
From what you've described, it appears that you are not "legally" obligated to pay this debt as it it now "time-barred." But if you make one payment, or a promise to pay, you could renew your legal obligation.
It is not unlawful to attempt to collect an expired debt, such as the one you describe, where the statute of limitations for a lawsuit has passed. HOWEVER, as a resident of Massachusetts, you have brand new added protections...
Don't do it! You've come to the right place.
I am very troubled by the appalling collection tactic used here to obtain your exempt and protected retirement money. I would be happy to review the details of these collection efforts and fight to get you compensation as I would expect to uncover evidence of illegal collection tactics from a company trying to steal your hard earned retirement money.
You may be entitled to up to $1,000 and have your costs and attorneys fees paid by the...