Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Hello! I am a licensed attorney, admitted to practice in state and federal court. I have a nearly 100% satisfaction rating (click here to see my ratings information) so all that means is that you can count on me to help today. I'm sorry to hear about your parents situation. They absolutely could contact the original creditor to find out if they had insurance at the time the credit card company is alleging that your parents did not pay the money they were owed. Even if your parents simply request a copy of the documents from that time, then you would be able to go through it and find out if that is the case. If that is the case that they had Insurance on their credit card at that time, then you could request with the attorney that they simply dismiss whatever claims they may have because there is “no claim upon which relief can be granted.” If the attorney chooses not to play ball with you, you may want to consider just writing a formal demand letter. There’s a site that I’ve used in the past where you can find a good template for a demand letter (click here). It only costs $10 and it is way cheaper than litigation.
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