Scott Lowery Law Offices CASH This Company bought this charges off debt! What is my recourse? Ripoff Tulsa Oklahoma
I received a letter today from Scott Lowery Law Offices in Tulsa Oklahoma.
The letter states that no one in the firm has reviewed this account as of yet. I have 30 days to rebute the debt or get validation.
If "I the consumer" do not call them immediately or notify them for debt validation within 30 days they will put a judgement on me.
I got a copy of my credit report and this company listed as Collections of America was listed as a collection copany receiving information on 11.06
This same debt( credit card) was charged off by the original company in 2005.( no I have never received a 1099 from IRS or anyone else)
What is the best ways to handle this?
Thanks you for your help!
S.
Jacksonville, Florida
U.S.A.
1 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
S, that's not the way it works. Read the letter again.
#2Consumer Suggestion
Sun, December 03, 2006
"S",
First of all, these fools are barely attorneys. The ONLY business they do is debt collection. They do not actually practice law.
That 30 day period means absolutely nothing to you. Failure by you to respond during that 30 day period does not affect your legal rights in any way.
And, nobody "puts a judgement" on you. Someone must first sue you, and win, and then request a judgement. Then they have to actually collect on the judgement which means more time and expense.
There is no requirement for you to recieve a 1099 on a charged off debt. I would not have opened the letter in the first place. I would have marked one line through the name and address and marked it "not at this address" and put it in a big blue mailbox.
If the letter did not come certified, ignore it, as they are just fishing at this point. Any response now will validate your address to them for further action.
There is at least 4 more years before the SOL runs out on the legal collection of that debt.
Your only defense if they do contact you again, is debt validation as to their legal right to collect the debt AND being licensed to do so in FL, as well as a full account history and itemization of charges.
At this point, ignore everything but the summons.