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Get a lawyer to negotiate the debt on your behalf
Also consider your option to file bankruptcy if you have additional debts.
If this answer is helpful, then please mark the helpful button. If this is the best answer, then please indicate it. Thanks. For further information you should see an attorney and discuss the matter completely. If you are in the New York City area, then you can reach me during normal business hours at 718 329 9500 or www.mynewyorkcitylawyer.com.
I have dealt with them and have gotten low settlements, but, as always,
past performance is no guarantee of future results. Speak with an attorney.
Sincerely, Roman Aminov, Esq.
Law Offices of Roman Aminov
147-17 Union Turnpike | Flushing, New York 11367
P: 347.766.2685 | F: 347.474.7344
Roman@AminovLaw.com | www.AminovLaw.com
This answer does not constitute legal advice and no attorney client relationship has been formed. Before choosing a course of action, it is always advisable to seek the advice of an attorney in your area.
Send them a certified letter that they are only to correspond in writing. In the letter, ask them to validate the debt under fair debt collections practices act and have them remove it from your credit within 30 days under the fair credit reporting act if not validated. Have an attorney ready to answer the complaint if they serve you and then have the attorney serve them with a discovery request. (All of this is very technical and I would not recommend you do this yourself). Then have your attorney negotiate with them once you have raised the cost of their collections. You almost always will have a better result.
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