It went to collections in November 2012, it's a $1760.00 GE Capital Account, I doubt I can prove he didn't properly identify himself.
He portrayed himself as someone that wanted to help me, suggested I get someone to spot me the money, telling me how much in legal fees and court costs they would pursue and so on.
I also received voicemails on 4 occasions, it was at first a woman who said "I have a public record I am updating for you, but I want to hear your side of the story first". Then it switched to this guy on the 4th one, he said that I had a serious situation on my hands and it was imperative I call him back. Obviously I'm shortening it up a bit, but I saved all of them just in case.
So, I should call them and ask them to send me verification on the debt and that they own it?
What if he tells me they already did so they don't have to again?
I understand they actually can sue, I just thought this approach was a little suspect. I had some old utility bills from college and dealt with a bunch of these agencies and none ever went the route this one is. After going through this I am starting to lean towards pursuing action against them if I'm within my right to do so.
So, if I am served with the lawsuit I know I need to file an answer to the complaint, when I answer should I lay out these items for the court or should I wait until I'm before a judge???
I am keeping detailed records now of all communications and any and all voicemails. I will contact them today to get the verification see how that goes.
And finally, can I/should I countersue in this instance?
Thank you for all your help!!!
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