I have received a collection letter from collection agencies. however, I am currently resided at another country. Is it a good idea that I should update my foriegn address to them as well?
Some advantage i can think of:
-i can know the update of the collection
-i can know they IF file a lawsuit against me
- i can know everything relate to the case
The only disadvantage i can think of giving them my address is that they harrasee me internationally or transfer the account to an oversea collection agency (which both are not high likely to happen). Beside, i heard that for amount like 18k usd, they wont even bother to file international lawsuit against me.
let me know if i am wrong.
btw, i also disputing the charges since the debt was from fraud activity. WIth the dispute letter, do u think i should update them my foreign address?
Estate Planning Attorney
I think the only benefit to updating them regarding your whereabouts is you prevent them from obtaining a default against you.
After a collection agency files a lawsuit they are required to "serve" the initial lawsuit documents on the party they are suing. To "serve" documents on the party, they either have to hand deliver them to the party or leave them at the person's home address. Debt collectors can be pretty awful, and I've represented a couple of people that were not living in the country at the time a debt collector claimed to have "served" them with the documents. If you let them know you're not in the country then they cannot go to your old residence and leave the lawsuit documents and claim they "served" you. If they serve you with a lawsuit and you don't respond, then they can obtain something called a "default judgment" which basically means they prevail without having to prove their case. However, if they do obtain a default judgment and you were out of the country there are still mechanisms that you can utilize to challenge the validity of the judgment, but it may be best just to avoid the hassle by letting them know you are no longer in the country.
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Messrs. Lyle and Hinz make some excellent points. My general rule of thumb is that, unless there is a distinct advantage to you, don't give a debt collector any information. The devil is in the details, however.
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Real Estate Attorney
If you are out of country, the statute of limitations will be "tolled", but the creditor isn't likely to know that and likely will write off the debt after a few years. If your whereabouts are unknown, a creditor can obtain service by publication of the summons.
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