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I just received a notice from a collection agency on a debt…

Customer Question
I just received a...

I just received a notice from a collection agency on a debt that I plan to dispute. I had a contract with a siding company and decided that I didn't want to pursue the matter at this time. Letters were sent and the financing company acknowledges that the contract was cancelled, but the siding company doesn't. They are coming after me for liquidated damages of 8k dollars tor cancelling my contract. Do I acknowledge the collection notice in 30 days. On line I read that if I do, they will assume the debt is valid. What do I do.?

Lawyer's Assistant: What state is this in? And when did the issue begin?

Maryland

Lawyer's Assistant: Has anything been filed or reported?

I just got the notice and I haven't looked at my report since this weekend. I got the bill from the company on the 6th of March and the collection letter today

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I mailed letters to both the company and the financing on the same day.

Submitted: 3 months ago.Category: Legal
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Answered in 1 minute by:
3/12/2018
Lawyer: INFOLAWYER, Attorney replied 3 months ago
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 62,240
Experience: Licensed attorney helping individuals and businesses
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Hello and welcome. I am working on your answer and will be right back!

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Lawyer: INFOLAWYER, Attorney replied 3 months ago

You want to respond by demanding written proof of the alleged debt and otherwise contesting it.

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Customer reply replied 3 months ago
Their billing call it liquidated damages. I never select the color and they work wasn't to start 60 to 90 days out. How do I avoid damages my credit with them and I still need siding for my house.?
Customer reply replied 3 months ago
No ,, This way I can write it down
Lawyer: INFOLAWYER, Attorney replied 3 months ago

You can identify the violations in contesting the amount claimed. You cannot stop a credit report mark, except warning that falsely reporting it would be a violation of the fair debt collection practices act. It may deter them. Kindly let me know if that is acceptable by replying "yes"

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Customer reply replied 3 months ago
What's next after I contest this debt?
Lawyer: INFOLAWYER, Attorney replied 3 months ago

Wait, hopefully they close the file.

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Lawyer: INFOLAWYER, Attorney replied 3 months ago

Kindly rate me 5 stars on your page.

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Customer reply replied 3 months ago
Ok. I will get started on my letter. Thank you. Will they put a lien on my house or garnish my wages?
Lawyer: INFOLAWYER, Attorney replied 3 months ago

No, they cannot do anything without a judgment.

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Lawyer: INFOLAWYER, Attorney replied 3 months ago
Please select the 5 star (*****) rating on your page for the answer. That’s how I get paid by the site. Much appreciated!
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Customer reply replied 3 months ago
Ok. Thank you.
Lawyer: INFOLAWYER, Attorney replied 3 months ago
Very welcome.
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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.

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