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...
CAN they do that, legally? No. the SSDI income itself is exempt. COULD this still happen to you if you aren't careful? Yes. If they attach your bank accounts and the Banks are asleep at the wheel regarding the protected status of the funds, you could lose your money, or at least access to it for some period of time. If you have a large savings of SSDI money, or if you transfer the funds, deposit cash, etc.- you might find it gone to trustee process. You must be vigilant to protect your...
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.
Yes, that sounds like harassment, and yes, you almost certainly have a case!
You should contact an attorney right away to review the specific details with you. There should be no charge for the review and if your case is accepted, no cost to you for the representation. We routinely do such free reviews and recover funds for consumers in similar situations. I use State and Federal law to make debt collectors (and banks) pay for such bad behavior.
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...