Legal Question in Credit and Debt Law in Florida

Re: cease & desist letter

Generally not. The credit card companies hired the collection agencies to collect the debt on their behalf. My experience is that once they've hired an agency, they want you to deal with the agency. If you received a summons, it may be that the original creditor sold the debt to a debt buyer.

Re: cease & desist letter

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Most likely the answer is no. Once a debt reaches the collection agencies hands, the creditors generally refuse to speak with you. This one appears to have gone even further with the summons being served on you. Apparently a lawsuit has been filed and you will only be able to deal with the attorney's office from now on. It is in your best interests to resolve this as soon as possible as legal fees for the creditor will usually be assessed against you pursuant to the terms of your application for the credit card.

Scott R. Jay, Esq.