global pre litigation
I live in Texas. Today while at work my cell phone rang. Not recognizing the number, I hit ignore. The caller immediatly called back. I hit ignore. The third time I answered because I was worried it might actually be important.
The man told me he was a locator for a pre litigation firm and he needed to let me know he would serve papers to me this afternoon.I asked what this was in regard to. He tells me some hogwash about the envelope being sealed. He gave me a numbe to call and a claim number. I called the number and the rude man that answered tells me that this is in regard to a payday loan I took out from Check N Go storefront in March 2010. He couldn't give me an amount. He said they were going to file charges for fraud and breech of contract. I told him I needed his address so I could send him a request for a debt validation letter. He refused and argued. Finally got thru to a supervisor. Went thru the same spill, with her telling me that they are subject to the fair debt collections act because they were pre lit, not collections. I said if I offered you money right now, would you take it? She said of course. I told her she proved my point, and how did I know she had any right to collect on anything? I never took out a loan with her company, so why should I owe them money? She still refused. I thanked her for her time and hung up. The first guy called back an hour later. The first 3 times he called I ignored it. The fifth time, I answered. He said he would have to serve me papers today. I told him good I was home right now. He said he would be here in 45 minutes. That was 2 hours ago.
Jeez! I didn't mean to write a book. Sorry. My question is have I done the right thing, and do I need to do anything else? Thank you in advance