Legal Question in Credit and Debt Law in Florida
I took out a loan with citifinancial back in 2007. I made every payment on time until I was laid off from my job. I called customer service to see if something could be worked out on my payments due to my laid off and was told that it wasn't their problem & they wanted my payment by the due date. When I couldn't make the payment on the due date they when ahead and started a lawsuit against the following week. I responded to the lawsuit and the judge dismissed the case. Today I just received a phone call from a different collection agency on behalf of citifinancial and am unsure what to do now.
1 Answer from Attorneys
Although the case was dismissed, you may or may not be liable for the debt. Just the same you should continue the fight.
If you do not want to receive any further letters, I suggest you send the following letter:
(Your address OR your name at another address)
_______________
_______________
_______________
_______________
Date___________________
CERTIFIED MAILRETURN RECEIPT REQUESTED No.________________________
Collection Agency Address
_______________
_______________
_______________
_______________
RE: Account Number:
Dear Sir/Madam:
I am writing to you to request that you verify a debt as required by the Fair Debt Collection
Practice Act. You have contacted me concerning a debt with (Name of Company , Account
Number : ) and it is that debt that I wish you to verify. Please send me such verification.
Aside from verification of the debt, I request that you stop communications to me about the debt.
The Fair Debt Collection Practice Act, 15 USCA Section 1692c requires that you honor this
request.
Apart from sending me verification, please do not send or make any other communication to me
regarding this debt. Your cooperation will be appreciated.
Sincerely,
_____________________
(Your name and signature)
cc: (Name of Company)
Federal Trade Commission - Atlanta Regional Office
I hope this was of use to you and others.
Sincerely,
Joseph Brien
954.320.6940
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