I have received some letters from an attorney in Fresno, CA. They are threatening judgment on me, etc. They represent an outfit called Unifund CCR Partners. I’ve never done any business with either the attorneys OR Unifund. My attorney has called the Fresno attorneys who will not state if Unifund is a “cover” for Citibank, Mastercard, or whomever.
Any thoughts or ideas for help? Thanks all very much.
Send them a debt validation letter. Check and see if the letter you received from them mentions debt validation rights. If it doesn’t then they could be in violation of the fair debt collection practices act and you can sue them in your local court for at least $1000. If your attorney does not know how to go about demanding proof of the debt, get a new attorney. You have the legal right under the Federal Law to have proof that you owe the debt, meaning copies of the original bills.
I don’t really know what to tell you but I can tell you that both my husband and myself have at one point or another have been on the receiving end of this and truly these “attorneys” turned out to be a bit unscrupulous, unethical and downright slimy to say the least. Try not to let them fluster you first off. That’s their game. They come at you hard and with alot of threats. In one case my DH had an attorney harass him at work and threaten all sorts of things.
This was a few years back and we were’nt as knowledged as we are now about the FDCA etc. This attorney managed to scare my DH into paying on a debt that the statute of limitations expired on for one. They violated the FDCA regulations right and left but we did’nt know it at the time. If you have an attorney working for you already I would’nt worry. Let him direct you on what to do. Have Googled this Unifund? With the internet you should be able to do some research on them and get some answers. Sorry I’m no help but I hope you get it worked out. I did Google the company and found that apparently this Unifund/CCR buys old debts and then makes a stink with everyone. I’m not going to get flustered (I hope LOL) as I’ve been through a bunch of this stuff already.