Have Legal Questions? Ask a Lawyer Now.
*This chat is not intended as legal advice. It is general information that may or may not apply to your situation and should not be relied upon.*
Welcome to JustAnswer,I am the expert that will be assisting you today. Thank you for your question.If my answer is not clear to you or does not fully answer your question, please ask me for clarification by using the reply button.
Did you read my question or do I need to type it here?
I am typing your answer one moment please
ok thank you
It is illegal to threaten criminal action to collect a debt. Investigator Wilcox is the debt collector and you appear to have an action against him under the FDCA based upon his illegal threat It is a violation of the Federal Fair Debt Collection Act (FDCA) for a debt collector to use unfair tactics such as harassment, false statements, notify third parties or threaten acts they cannot legally undertake. You may file suit in Federal Court for each violation of the Act. I have attached the link to the FDCA for your review. Federal Fair Debt Collection Act link: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
I think this is what you wanted to know. Please use the REPLY button if you have any questions concerning my answer. Otherwise please click ACCEPT so that I am paid by the site for answering.
My only other question is about the other company (the mediation company). They are the ones stating the warrant will be issued....can they do this? I don't think this is something that I owe but just say that it is and I'm not aware of it. I've asked them to send me a copy of some sort of proof stating I owe this. They tell me they can't but if it's not paid then the warrant will be issued. is this lawful?
I believe the mediation company is the debt collector..that's the way I'm taking it
it is not lawful – in fact it's a criminal offense to extort money.
You have the right to receive verification of the debt
only a court can issue a warrant – a mediation company or collection company or creditor cannot issue a warrant
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).