Can a debt collector receive payments after filing against me in small claims and still have a valid claim against me in court?

Asked 11 months ago - Lakewood, WA

I starting making payments on a debt last October and November. I was late paying the December payment. The debt collector showed up at my house on Jan. 10th. I gave him the payment. He did not tell me that he had already filed a small claims against me in court for the full amount plus fees. I just received the letter from him today showing the filing. However, I not only paid him the payment on the 10th of January, but I also made another payment early on the 6th of February. I had no knowledge of the small claims action until today. My question is: since I have made a payment in January and February, and he received and documented to me that I did indeed make those payments, does that not invalidate his claim against me?

Attorney answers (3)

  1. Samuel Michael Meyler

    Contributor Level 13


    Lawyers agree


    Answered . Acceptance of partial payment does not invalidate the claim. If you still owe a balance, then they can pursue collection. The debt collector may have been running up against the statute of limitations for the claim, which might be why they filed. If you can work out an agreement for a payment plan and the dismissal of the lawsuit, that might be best for you. If you can't work anything out and you are required to appear in small claims court, make sure that you bring all of proof that you have as to payments made to offset the amount claimed.

    Legal disclaimer: The answer provided: A) is for informational purposes only, B) is not intended to constitute... more
  2. Dallas William Jolley Jr


    Contributor Level 10


    Lawyers agree


    Answered . If you have not paid off the claim, you are still on the hook for the balance and the lawsuit is good. Generally, the debt was due some time previous to your making payment arrangements, so your payments, while being credited to your balance outstanding, do not make some legally binding agreement to not sue you. Creditors sue you so that they can garnish your bank accounts and your wages (at 25% of your pay per pay period). If the debt is large, filing Chapter 7 makes a lot of sense. But as a small claim, the debt is probably not that large, and filing a bankruptcy may not make any sense. However, most people I have met with debt problems have a lot of other unpaid debts. It is better to look at your entire indebtedness and figure out how to put it all behind you so that you can move forward with your financial life without fear of collections and lawsuits.

  3. Joseph Paul Middlebrooks Shapiro

    Contributor Level 9


    Lawyers agree

    Best Answer
    chosen by asker

    Answered . The first question is whether you had something in writing regarding this payment plan with the debt collector. If so, the terms of this writing should govern your arrangement with the debt collector. If you were late with a payment in December 2013, that may have been a breach of this agreement. As a result, there is no reason the debt collector could not go to state court to sue on the remaining amount of this debt. It is unlikely that the debt collector has "waived" the right to pursue a judgment in court. You should seek the advice of local Lakewood counsel to file an answer to the complaint filed against you in court. You may be directed to engage in mediation, and you may be able to get a payment arrangement back in place. Again, consult an attorney asap.

    Disclaimer - this answer is for informational purposes only and not for the purpose of providing legal advice. You... more

Related Topics

Claims to debt

If a creditor has claims to debt, then the creditor only has a few months to file a claim in writing once a debtor has filed for bankruptcy.

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