Debt collectors

Hi. I am wondering after my debt is charged off to a collector, how long before I am given legal papers to appear in court??

I have been contacted by UCB that they will sue me by month’s end if I dont send them money. They’ve only had my account about 3 months. How often is this a ploy to scare me and how quickly do companies usually take you to court?? Im actually on the edge of settling this one but need another few months just to have the right amount of money. Any help out there?? Thanks.

We need more info. What type of debt is it and how much do you owe? Any other specifics? I received a letter from UCB early in the process. That was over a year ago and nothing has happened since. I’ve been paying down what debt I can now, though, so that may have helped. Further, the calls have been fewer since I changed the greeting on the answering machine to the standard computer voice vs my personal greeting. Good luck to all and may God help us all as well!

CC debt, bank of america to be specific. a little over 10k.

It would depend upon the statute of limitations in your state – no matter what someone else posts. It is a state issue. Read more here – I defaulted and was never sued. My lawyer sent a letter stating that I could not pay because of personal circumstances. You don’t need a lawyer for this part. Most law schools are federal depositories and must allow members of the public to view materials. When I was in law school, they seemed to go out of their way to help. They can certainly show you where it states how much time your creditors have. You can write a default letter yourself. Any decent lawyer should be able to outline your options. There are too many personal variables to suggest anything more.

IC Systems

Hi, My husband allowed a relative to purchase a cell phone under his name. needless to say, that person racked up a 1,400. dollar bill before we had it turned off. It was a Sprint phone and they sent it out to IC Systems for collections. I contacted IC Systems and tried to explain (they did not care!) that we would pay it back at $20 a month until we got it down to a reasonable amount and then try to pay it off in larger chunks.

They said no…I started paying them $20 dollars a month anyway. It is now down to 1,200. dollars and I offered them $800. they refused. They have harassed me by phone for almost a year now. Today, I received a call on my cell phone from them! I was so surprised since the bill is not in my name and I have no idea how they got my cell number! They ring my phone day and night starting at 8am and ending near 10 pm. What can I do??

Thanks in advance.

Tell them in writing that you cannot pay the debt and send in snail mail. Don’t acknowledge that you owe the debt. I have to think more. There are federal and state laws pertaining to consumer credit that you should read that must be posted on the Internet. I would also visit the FTC to see what regulations they are enforcing. I should know more but this is a good start.

Thanks for your reply. I will send them a letter. Does anyone have any idea what I should include in the letter? As to not acknowledging the debt, wouldn’t sending them a letter confirm the debt?

I.C. should know better than call people and break federal laws. I think they were one of the agencies recently sued and lost for those actions. In a way you have acknowledged the debt already by paying on it, and its still going to be on your credit records. Send them a letter stating that you will deal only with Sprint – there
is an example posted recently on this site – send it certified, return receipt, then sue them if they keep calling.

These people are almost certainly in violation of the Federal Fair Debt Collection Practices Act. Under that act I think they cannot make phone calls before 8 am or after 9 PM and you can sue them for damages! Write them a letter telling them you are asking them under the FDCPA to stop contacting you by phone and by law they must do that. You can also file a complaint with the BBB where the company is located (probably won’t do much good since they are violating the law anyway) and look to bringing a lawsuit against IC systems under the FDCPA. Check out information on the FDCPA thru the Federal Trade Commissions Web site