In 2002 I became disabled & was unable to pay a credit card debt. The company refused to negotiate so I contacted an attorney. She supposedly resolved the matter.
The company sold the "debt". In the last 2 years I received 3 letters. They did not state any amount. For the last 2 years I've received at least 2 calls a day.. (shows on my calIer ID).
I told them the first company sold them the account fraudently--it was 9 yrs ago. The person got very aggressive so I told her not to call again. I got another call & gave him my attorney's name.. Yet he stated that the debt has been "renewed", meaning "started over" (?), and that I now owe twice as much. I never acknowledged a debt.
If they can be fined, how can this be done? I live in another state.What if it goes against my credit rating?The first woman tried to challenge me to "dispute" the debt.I told her i wasn't going to do that because the matter had already been resolved & it was 9 years ago. I repeated that the "account" should not even have been sold to them. She got angry & demanded of me what I was going to do. I stated that I wasn't going to do anything. She hung up on me. I told the second caller that I had been disputing charges on the account but the credit card defaulted it. My other credit company then defaulted on me, raising their interest rate from 4.9% to 21%. I don't think this should be fair, because my payments were current & had nothing to do with the other company. This should not be allowed! I finally got back a good credit rating and now this first company is threatening my credit rating again.