Comments on: In desperate need of some legal advice! Should I file a law suit against this debt collector? http://familyfraud.com/in-desperate-need-of-some-legal-advice-should-i-file-a-law-suit-against-this-debt-collector.htm Educate and Defend Against Fraud Fri, 12 Mar 2010 05:30:50 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: R J http://familyfraud.com/in-desperate-need-of-some-legal-advice-should-i-file-a-law-suit-against-this-debt-collector.htm/comment-page-1#comment-2687 R J Thu, 09 Jul 2009 14:29:39 +0000 http://familyfraud.com/in-desperate-need-of-some-legal-advice-should-i-file-a-law-suit-against-this-debt-collector.htm#comment-2687 Firstly, IMO, Cardservice International is a reputable merchant account processor and the fact that their fraud department contacted you means something was particularly non-standard with the charges you submitted or the terms you had with your customer(s). Tell us more. My advice is to cease all communication with the collection company, they have you on the run and believe they can eventually intimidate you to pay something. If they call again tell them all further communication is to be by mail and to stop calling you as you dispute the debt. If they report it to the credit bureaus, you dispute it again to the credit bureaus. If they commence legal action (which I doubt at this point), you will have ample opportunity to prepare your side of the story. Don't run around gathering your evidence now, it's they who have the initial burden. I don't think you have a sustainable action against anyone at this point. The collection agency can't bring a suit unless they own the debt (which is unlikely). They will just "work you" until they get something from you or give up). Hang tough until actions not words occur and consult an attorney at that time. RJ Firstly, IMO, Cardservice International is a reputable merchant account processor and the fact that their fraud department contacted you means something was particularly non-standard with the charges you submitted or the terms you had with your customer(s). Tell us more.

My advice is to cease all communication with the collection company, they have you on the run and believe they can eventually intimidate you to pay something. If they call again tell them all further communication is to be by mail and to stop calling you as you dispute the debt.

If they report it to the credit bureaus, you dispute it again to the credit bureaus.

If they commence legal action (which I doubt at this point), you will have ample opportunity to prepare your side of the story. Don’t run around gathering your evidence now, it’s they who have the initial burden.

I don’t think you have a sustainable action against anyone at this point. The collection agency can’t bring a suit unless they own the debt (which is unlikely). They will just "work you" until they get something from you or give up).

Hang tough until actions not words occur and consult an attorney at that time. RJ

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