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DID the lender get a judgment for the balance due? Demand verification of the debt from CA. NO verification, NO PAY...

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Q: What are your rights if a collection agent has recently began calling about the balance due on a 13-14 year old repossession?
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What should you do if you received a bill from a collection agency but you and your doctor had negotiated a different price but you don't have it in writing?

Write your doctor and try to get the terms in a letter (that would remediate the proof issue that you raised). If the doctor is honest and this is truly your agreement with him/her, that should get the collection agency to stop calling, unless they are calling you for a portion of the unpaid, agreed-upon balance.


If you are delinquent on payments and the debtor threatens repo and you bring the car current can they still repossess?

If they just "threaten" you, and you bring it current, then no. But.. if they send you a letter threatening repossession and calling the entire note, and you do not pay the entire balance on the note, then yes they can take your vehicle.


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How do you get a collection lawyer to stop calling you?

In order to stop a collection lawyer from calling you it is possible to ask a consumer protection attorney for help or pay the debt. Also, make sure the collection lawyer actually calls for a company you own money to.


How can you find out if the collection lawyer represent the original creditor or not?

by calling on his/her phone.


How do you find the date the car was repoed?

By calling the original loan facility that was associated with the vehicle is one way to locate the repossession date. You can request that the original document of repossession be sent to you by way of fax or US mail (if you feel there is discrepancy). *Note* The time of default does not deem the time of repossession. Be sure to ask specifically for the actual repossession date and unfortunately you may have to clarify that you are not seeking the default date.


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Can the repo agent involve the police along with calling and coming to your home in Texas?

NO, in NO state can the repoman LEGALLY involve the police. repossession is a CIVIL matter. Calling and coming to your home?? YES, when you are in DEFAULT, the lender can repo the collateral.


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No. They should stop calling.


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