I keep getting calls from a Mr.Butler at the "Law Office of Joel Cardis" in PA.
I'm in IL. He says it's for an $1800 debt I owe to a community college, also located in IL.
The debt is valid, I do owe it for tuition from last year. I have spoken to the college itself and am on a payment plan.
This "Mr.Butler" states each time he speaks with me that they will be taking legal action against me. I refuse to give him any kind of payment or any information on this matter. I told him that I had already made arrangments with the college to pay the debt. I stupidly set up pre-paid debit card payments with this "Law office" but after I found out that they were a collection agency and that I could deal with the school directly, I never made the payments.
The business office director at the college says that I do not have to deal with them and to ignore them, since I'm paying the school directly. She says they can't sue me without the school's permission... is this true?
Mr.Butler called me again today while I was on break from a meeting at work. When I told him that I couldn't speak to him at that very moment and would need to return the call later, he stated "I guess you have no intention of paying this debt so I know what needs to happen now and what legal measures we need to take..." and hung up on me.
I'm gonna call the school again tomorrow. What can I do about this?
By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.