I recently received a summons from a junk debt buyer for a debt that i believe to be invalid. Checking my credit report there is an original record of the debt as a personal loan (which i never had) but the summons states the debt is for a charge account. Is this a violation of the FDCPA and the FCRA?
1 Answer from Attorneys
Either term might be an accurate description of this obligation, so I doubt that you will get much relief under FDCPA or related laws. However, if you are having problems with collectors, you owe it to yourself to immediately consult with an experienced bankruptcy lawyer. Bankruptcy offers legal forgiveness of most general unsecured debts of this nature. Please do not assume that I am your attorney because of my response here, but feel free to call my office in Racine (262-633-3090 or email firstname.lastname@example.org) for clarifications regarding my answer. Otherwise, under the rules of this website, I would not be taking any further action on your case. See me on the web at www.jayknixonlaw.com. View my past answers at http://www.avvo.com/attorneys/53401-wi-jay-nixon-1529181/answers.html?sort=recency , or see an even larger collection of responses at http://www.lawguru.com/answers/search/attorney/jknixon, . Answers may contain attorney advertising materials..