Ask a Lawyer and Get Answers to Your Legal Questions
Good morning. I am Loren, a licensed attorney, and I look forward to assisting you.
What was the basis of the underlying debt?
I am sorry to hear of your dilemma. I realize how frustrating this is for you and I hope to provide you information which is accurate and useful, even though it may not be the news you were hoping to get.
Unfortunately, without a written settlement agreement there is not really any way to force them to give you back the money. Especially, if you do not dispute the validity of the debt.
Debt collectors do not ever voluntarily give back money they have collected and their is nothing that you can do which will restore the money to your account.
If you were misled you can file a complaint with the state attorney general, but that will not be a quick resolution.
I realize this is probably not the answer you were hoping to receive. Also, please remember that this is not necessarily a moral judgement on my part. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's legal position, but accurately reflects their position under the law. I hate it, but it happens and I only ask that you not penalize me with a bad or poor rating for having to deliver less than favorable news.
Not if you do not dispute the debt.
While you may have a dispute, it is unlikely to be resolved before 12/15. All you can do is keep calling the debt collector to see if they will restore the money. I would not hold out much hope though. They are not going to return money on a valid debt.