Debt is 10 yrs old n have been making less than minimum payment for 10 yrs now I owe close to 7000..original was 2000 n have already paid $2300. I have not been served paper.However voicemail message said papers were returned n to call a certain number n failure to do so they would proceed without me.
There is a lot of criminal scamming and fraud taking place to intimidate people to pay debts they don't really owe, so be careful. Often it is just a coincidence that they randomly call someone who coincidentally has an old, unpaid debt, and they take advantage of you when they really are just making the whole thing up.
If you have been paying more or less regularly I doubt this call is from the creditor you are talking about.
What you can do is before paying them anything, demand that they validate the debt, by showing you written proof that they are legally entitled to collect on it, and proof that you owe it, and tell them you will then take it to an attorney to check it out.
I bet they won't ever send you anything, or say they are not required to prove anything to you.
That would be a sure sign that they are crooks and that there is no such debt! After that, you probably won't ever hear from them again.
These fraudulent scams always seem to come up in a phone call, never a letter, because they are afraid to put their fraudulent representations in writing. And, they do not want to be traced to a physical address out of fear of being arrested.
In addition to what the other attorney said, I would ask that you post the phone number they call from, or they ask you to call; any address you have for the collector, and any names they use. You could also Google the numbers and look for similar postings.
If you post the numbers, I will share any info I have on them. You should also consider contacting a competent lawyer in your area for some advice.
The notice about court through a phone message is a sign of a scam. First, you would have been served with a lawsuit; second, if you are to appear at a hearing, you would be receiving a written notice. So, if you have never been served, why would anyone call you about a court appearance? This is an attempt to scare the money out of you. I just bet that they would be willing to call off the court appearance if you send more money -- which is a sure sign of a scam.
And I bet the money is sent through a credit or debit card -- because they won't take a check -- another sign of a scam.
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