Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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If they have not filed suit, it sounds as if they are trying to trick you into crating a judgment before they have even filed.
You do not have to sign anything from them. You can negotiate with them and demand they prove the obligation, as well as any other fees they are trying to add to the principal amount.
Unfortunately, they can serve you at home or work.
If they are willing to work out a payment plan demand that they put it in writing before you give them any information or payment. Otherwise, the settlement is not enforceable and they can sue you for the entire amount.
You do not have to agree to the entry of a judgment and you can demand that they prove the amount of the claim.
Remember, what ever they offer is not to help you, but to collect money for their client.