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The debt (over $5,000) was charged off in January 2012. The debtor has received letters from a law firm (CIR Law offices) offering a reduced settlement. Last letter from law firm was dated 3/5/12. Debtor sent a debt validation letter to law firm on 4/2/12. On 4/5/12 debtor was served with summons and complaint (filed on 3/29/12). Plaintiff is listed as Target National Bank. How can Target National Bank take a tax credit from a charged off account AND sue the debtor? Or is the law firm (CIR Law Offices) a debt buyer who is suing the debtor and masquerading as Target National Bank?