Right now you need to get more information.
Here are some things you might want to find out:
Was there a lawsuit against you? (Do you remember being served with a suit? Does collection agency claim you were sued?)
Why is the insurance company/collection agency saying you owe money? (Best way to find out is to simply ask them.)
When you get the answers to those questions, I think you'll better be able to understand which direction to go. I would also suggest you get with an...
This is not unusual. The dealership or employer or whoever owns the car will say the car was being driving without permission which normally means there is no insurance coverage. If someone steals your car, you are not responsible.
But it would be interesting to know if the dealership has filed a police report for theft. When we sue these companies and they bring out the "no permission" argument, we ask them when and how they assisted the police in prosecuting this felon.
They start to...
Unfortunately the FDCPA does not apply to business debts even if they are bought by a debt buyer.
But, Alabama state law does apply to even business debts and we often look to the FDCPA to get an understanding of what would be reasonable for a debt collector to do or not do.
Under the FDCPA calling you "at all hours" is harassment. Calling too often can be harassment. Making threats can be harassment. If you tell them to cease communication with you then they should honor that....
As Wilson mentioned there are different issues involved here.
If you go in a nursing home, you either need to pay for it privately (your own money, long term care insurance), pay for it with VA Pension (Aid and Attendance) or Alabama Medicaid.
If you qualify for Alabama Medicaid you do not have to sell your home if you own it outright or have a life estate in it. Medicaid does NOT require you to lose your home -- it simply has the right to put a lien on your home that you own under some...
The other answers are good -- I'll just add this one point.
Every case, whether a car wreck, a truck wreck, medical malpractice, etc. comes down to:
"Did the Defendant do something wrong and did that wrongful conduct harm you."
So, you would want to know if by missing the diagnosis, did they cause you harm? If so, how did it harm you? Would you have had less surgery than if it was properly diagnosed? Better chance of recovery? Etc.
As the others have advised you, if you want to...
I gave an answer to your other question -- sounds like you did ask for proof, etc. and the collection agency is refusing.
Anyone can sue you but I think the collection agency will have a hard time showing it is the proper party to sue you and to show that the statute of limitations has not expired.
Has the collection agency threatened you with a suit? Have they threatened you with anything?
It is very important to keep careful notes of everything a collector says and threatens....
That is an odd situation that the State waited this long to contact you. I would be HIGHLY suspicious of this.
Often, collectors will lie about these sorts of things to see if they can shake money out of you. Is this collector leaving you voice mail messages? Calling you? Did they only write you?
You can send them a letter, certified mail return receipt, and tell them you want proof of this debt as you don't think this is a legitimate debt and even if it is you don't think it is yours...
You have several options - you may have coverage under your Homeowner's Insurance under the Medical Payments provision. Normally this is about $5000.
You may can sue your friend and it is possible he may have insurance coverage - there is normally no coverage for intentional acts but if he was drunk it may not have been intentional. These are hard cases but it might work for you.
Best wishes and I hope you are making a good recovery.
Send proof of the payment to the lawfirm and demand that they not contact you again.
Debt collectors (collection lawfirms included) are notorious for trying to collect on the same debt twice or after it has been paid.
If you have paid it off then you don't owe anything else. So no collector should be bothering you as they have no right to collect. Do make sure that you fully paid it off or that you honored the terms of any settlement agreement with the original creditor.
A notice of foreclosure just means the mortgage company is planning to foreclose. This is the first stage of foreclosure. The second stage is the actual foreclosure sale. The third stage is the filing of a lawsuit to "eject" or "evict" you from your home. Take a look at the resources below for more information on this.
If the mortgage company has done anything wrong (and if your loan was made in the last ten years this is very likely) then you can fight back against the foreclosure....