Our client signed a contract for a $5,000 “membership” with an Atlanta dating service. She stopped paying on the contract when it soon became clear to her that the company would not fulfill its exaggerated promises. The dating service sold its claim to “Conrad Acceptance Corp.” which sued her in the Cobb County Magistrate Court. Case dismissed! What’s even more significant is that the activities undertaken by CAC’s attorneys to collect the debt resulted in our client filing a federal lawsuit against them for abusive practices under the Fair Debt Collection Practices Act.
The National Collegiate Student Loan Trusts (2005-1, 2005-2, 2005-3, 2006-1, 2006-3, and 2007-4) filed TEN lawsuits in Gwinnett County against our client seeking to recover almost $200,000 in allegedly defaulted loans. As usual, NCSLT could not produce the necessary documents to prove its legal right to collect. Once again, when it came time to “fish or cut bait,” NCSLT “jumped off the boat” by dismissing every one of the ten cases.
Our client was sued by the National Collegiate Student Loan Trust, which claims that it is the holder of the defendant’s student loan. As with most similar cases we’ve handled, NCSLT does not have the necessary paperwork to prove they own the account and the legal right to collect. NCSLT does not want to divulge the trade secrets upon which its predatory business model is founded. Thus, after ignoring this defendant’s request for documents and three attempts to schedule the deposition of their corporate representative, NCSLT, chose to dismiss the case. Once again, when pushed to “Fish or cut bait,” NCSLT instead chooses to jump off the boat. NCSLT was represented…Read more
Debt Collectors will use almost any means possible, often illegal, to collect the money they claim you owe them. Their goal is to scare you into paying the debt as quickly as they can. It all began with a telemarketer offering a socket set. Happy to have more tools around the house, the consumer took the bait. But the when the tools arrived in the mail he received a rude surprise: as wide around as saucers, the sockets were more likely to fit a tractor wheel than an automobile. Having no use for the industrial sized tools he sent them back, but the company denied receiving the tools and demanded…Read more
Fair debt collection is a serious matter. If you believe that your rights are being violated by debt collectors, then you need an attorney on your side who can aggressively fight against this injustice. In order to prepare for any legal action, it is important that you take various steps to gather information regarding the harassment that you face. Within five days of contacting you for the first time, a collection agency or debt collector must provide you with a notice stating the following information: The amount of the debt; The name of the creditor to whom the debt is owed; A statement that unless the consumer, within thirty days…Read more