I would like a second opinion regarding this: My old HOA wrongfully froze my accounts. I sent them the attached email and you can see their response. Please give me some suggestions how to proceed. My demand as seen is very reasonable.
Hello, my name is XXXXX XXXXX X would love to assist you. Give me a moment to research your issue and I will answer promptly.
Well first, i am sorry that this happened to you, when creditors take unauthorized possession of your funds that can have a huge effect on people's lives.
Do you have an attorney representing you in BK?
That is basically what they are saying is that legally they can get in trouble for speaking with you without counsel present.
So if you do not, send them a response that you do not have an attorney and that "I am looking to resolve this between us first, without the additional expense and delay of having an attorney or the bankruptcy court involved. Many times, people jump right into getting an attorney and things get muddied and delayed and we lose sight of the goal. Clearly your employee accidentally charged my account multiple times without my authorization and consent. This is a violation of the FDCPA, the Bankruptcy Code, among others, and I am requesting $800.00 to compensate for my lost money, interest, late fees and penalties, and my time and energy in trying to deal with this matter. Please respond within seven (7) business days to this letter or I will need to take additional steps to rectify the situation"
If you DO have an attorney, then have them basically do and say the same thing on your behalf.
I will be off and on throughout the night, so please let me know if you have additional questions!
Thank you for your time and if I can be of more help, please let me know.
Have a great day!!!!
are you there
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