The insurance company will never take you seriously unless you are represented by counsel.

I agree with the prior response. You need not request a new card.

It is unclear what it is you are seeking in any such lawsuit. Were you injured or just threatened? If no injuries then no case.

In my opinion it is generally a good thing that the parties are willing to maintain the lines of communication.

In my opinion you should retain local counsel so they may negotiate this down to something with fewer repercussions for your insurance rates and...

As a general rule, social security money cannot be garnished to pay credit card debts. Make certain that account does not contain even one red...

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Rude but not legally actionable. Nothing you can do.

Certainly looks like a scam to me. "Reputable" debt collection agencies communicate by mail and would not threaten "to proceed with legal charges...

Rather than focusing on things like "how do they get away with that?" I suggest you just specify what it is you are looking for. There is a box to...

Avvo is not a law firm and the lawyers on this site cannot contact you directly. You will have to do some research either here or elsewhere and...