This is an unusual situation where the company has the right to bring both civil and criminal charges against you and to date, they have not pursued either avenue (perhaps you were correct and they do not want the infornation made public?). Under the consumer protection laws and Federal Trade Commission rules and regulations, a creditor has the right to contact your family members to see if they can get new contact information from you in the event that they have legitimately lost your contact information and they are unable to locate you regarding the debt. In many instances, creditors will use this excuse to contact family members about your debt to either embarras you into paying the debt or attempting to get the family members to pay the debt for you. The creditors actions in your case are bogus becaues even if they could not get in touch with you legitimately then they had the contact information for your attorney and they should have contacted your attorney and NOT your father regarding this case/situation.
My suggestion here is that you contact your attorney again and let himknow about what happened here and ask if the attorney will write another letter to the company telling them that contacting your father was an invasion of your privacy and if they had any issues with contact information for you then the company had the legal obligation to contact your attorney and no one else regarding these matters. Your attorney may be able to use what happened here strategically to your advantage in order to convince the company to take a settlement amount that is less than the 106K and/or to accept payments over an extended period of time rather than insisting in one lump sum payments. A threat to sue them for invasion of privacy and with filing a complaint to the FTC for violating consumer protection laws and a complaint to the attorney law licensing board because the attorney for the company violated your right to have an attorney by trying to get around your attorney and present the situiation to your father (an attorney has a legal obligation to contact the attorney for the other side and not the other side directly unless you have given permission to do so). While I do not think that the letter to your father will get you out of the reimbursement completely and the threat of criminal charges against you -- if your lawyer starts howling and kicks up a fuss about this entire situation then you maybe able to get some kind of relief from their earluer stance of wanting all of the money at one time as soon as possible.
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