Andrew David Shafer's Answers

Do I need a lwayer?

Since the cc sent you proof of pay off, you should forward that to the attorney who has been hired to collect the debt. That should be enough for him/her to close the file. Most collection agencies, and debt buyers too, have no interest in pursuing claims that are without merit. After all, both the debt buyer and the collection agency only get paid if they win. There is no sense in suing you because you have proof that you don't owe anything. Since you would likely win at trial (and don't...

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Does opposing defending attorney have obligation to disclose evidence??

If the action is pending in federal court, all parties have a duty to disclose probable witnesses and documents. Additionally, parties are permitted to send written questions (interrogatories) and requests for documents to other parties. Parties have a duty to answer questions asked and to produce documents requested. Parties also have the right to object to improper questions and document requests. The consequence for hiding evidence can be significant. Some years ago, a pharmaceutical...

I am being turned over to colllation agency on a insurance policy that i canceld with a carrier over the phone .

Just because you terminated the policy does not mean you are freed from any cancellation charges that may be a part of your insuring agreement. To protect your credit, contact the insurance company and find out what they think you owe them. As for documentation to support the claim (some policies do have cancelation penalty clauses, similar to terminating a cell phone contract early). If the charges are erroneous, you can file a dispute with the credit reporting agencies. Also, if you...