Comments on: DP Reader Wins Civil Suit Against Bill Collector

By: Shiela Crowe

Shiela Crowe — Thu, 25 Feb 2010 03:12:53 +0000

Quick question, I owed a keyspan utility bill from about 2 years ago, and keyspan was acquired by National grid because of the acquisiton, Keyspan is technically no longer the original creditor but the debt collection agency is now contacting me on behalf of National grid what are the chances debt validation would work for me?

Thanks!

By: sd boy

sd boy — Mon, 22 Feb 2010 17:14:37 +0000

If the debt I’m being contacted for is well over 7yrs prior(SD statue of limitations is 7yrs) and I’ve never made any payments or payment agreements then can the collector still take me to court to garrnish wages, file judgement, sue ,,, so forth???

By: Demesha Leathers

Demesha Leathers — Fri, 19 Feb 2010 17:37:53 +0000

I have had nothing but torture and heartache from this collection conmpany called IC Systems since it all began. My question is, can I sue? They took $150 from my account on a day they were not suppose to which caused an overdraft. Then when they debited it on the correct date, they said they never received it which means I had to file a claim with my bank yet I’m still out of $150. They then gave me a settle offer for $400.25. A day before I was due to pay them that money they called me and said I owed them over $1,000. They refused to give me anything in writing with my settlement offer. How can this company be stopped? I have since given them $798.00 as I am trying to get a home so I wanted to be done with it. After I gave them a $500 payment, a week later they reported it to the credit bureau and it made my score drop 28 points. This is unfair and they need to be dealt with legally. Please advise, thank you in advance.

By: Debt Prison

Debt Prison — Sat, 06 Feb 2010 13:36:04 +0000

Hey Pam,

No, because contracts are transferable.

By: Pam

Pam — Fri, 05 Feb 2010 00:36:09 +0000

I am being sued by a law firm for a $3,000.00 debt the originated with Washington Mutual but was purchased by Chase Bank (who hired the law firm.) Can I use this defense since my contract was not with Chase originally?

By: Debt Prison

Debt Prison — Wed, 11 Nov 2009 21:49:28 +0000

You could try and see what happens. You could also take a few bucks and go talk with a local lawyer, that could help a lot also.

By: ErinNYC

ErinNYC — Wed, 11 Nov 2009 05:12:21 +0000

That was very helpful, but can I request that even though I have been to court a few times? I didn’t find out until they already had a judgement.. so not that I have another court date can I request this before the date?