Welcome. My name is Maverick. I very much enjoy what I do and I hope that you will benefit from the information or assistance that I provide.
It is my goal to provide to you excellent service. Before
accepting any money from you, I want to make sure you are 100% satisfied with
my answer. So, here are some tips for getting the most for your money:
1. Please know that since we are not communicating face to face or over the
telephone, there may be a communication gap between us. I will not necessarily
know what you may be thinking unless you take time to spell it out for me.
Thus, if you need more clarification or follow up information after I provide
an answer,please feel free to write back as many times as needed as there is no
2. Please do not click "ACCEPT" until you are 100% satisfied. At some point you may be asked to rate my service. If you are not able to give me 5 out of 5 stars, please continue to let me know what your additional expectations may be so that I can try to earn the highest rating possible by meeting your needs.
3. If, at some point, I am not able to meet your expectations or you feel that I am not quite the right expert for your specific question, just ask me to opt out of the question
and I will be happy to release it to another expert so that he/she may take a
shot at it.
4. Sometimes the law does not give you the outcome that you may have anticipated. Please understand that this is not the attorney's fault. We are assuming that you are paying for an honest and professional opinion.
5. Please know that there may be a delay between your follow up question and my answers because I may be helping other customers. Rest assured, I will get back to you.
6. This information is provided so you may better discuss legal issues with
your attorney. Consult a local attorney for legal advice before acting. You may be
able to find an attorney in your area to further assist you at http://www.attorneysaccess.com/
7. If you feel that I went an extra step to help, a bonus would be greatly
appreciated! Also, please know that you can always request me for a future
question by starting your new question with "This question is for
My first suggestion is that you contact the university directly by letter and inform them how you feel about the collection agency and law firm that they hired. Since you are not a lawyer, you can still contact them directly even though they may have retained counsel. You can carbon copy the collection agency and the lawyer on your letter to the university.
It is possible that the university sold the debt to the collection agency and is not now, for one reason or another, able to call the debt back for direct collection from you.
If that is the case, then you should deal with the law firm directly. Depending on what you have at risk by the way of non exempt assets (see list below if you still live in Nebraska) you may be able to explain in your letter that you really do not own much by the way of non exempt assets that they could take from you even if they sued you and got a judgment and that it is in their best interest to work with you on the debt.
I know this says bankruptcy exemptions but from looking at the statutes, they appear to apply even if you do not file bankruptcy.
As far as whether they are violating any debt collection laws, the fair debt collection practices act prohibits attorneys and debt collectors from using undue harassment and other unethical practices when collection debt. I am not sure of the facts of your case, but, for example, a debt collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.
Let me know if this helps or you need some more clarification. Would be happy to assist you further.