The Latest News on Student Loan Forgiveness. ", That depends on the type of debt and the laws in your state. It is up to the plaintiff to show proof of self service. Heres what you should know. You can panic or you can remain calm when debt collectors are trying to serve you papers. Its common for overseas companies to use generic industrial addresses, shared workspaces, or P.O. Do student loans go away after 7 years? And thats it! Percentage of complaints: 18% in 2019. Debt collectors cant just do whatever they want. debt collectors doing what debt collectors do bestbe jerks, How the Fair Debt Collection Practices Act Protects You. Refinancing, debt restructuring, and other tactics can help forgive outstanding obligations. I have never heard of anyone being notified that they were going to be served and where they were going to be served. unduly harass or hassle the debtor. If you are served with a collection lawsuit, it can be a humiliating experience, especially if there are other people around. Once your debt is assigned to a collection law firm, you will typically receive a letter requesting payment of your debt. Theres a specific kind of dread that happens when you get a call from a number you dont recognize, but you know who it is. What should I do if a creditor or debt collector Sue Me? Continued attempts to collect a debt that is not owed, Illegal or unethical communication tactics, Threatening violence or other illegal action on the debt, Sharing information regarding the debt with anyone other than your spouse (or parent if under the age of 18). Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. The cookies is used to store the user consent for the cookies in the category "Necessary". Fight Back Today, Harassed By Rundle & Co. Bailiffs Debt Collectors? If you don't file an Answer, the debt collector can get a default judgment, which means they can win by default because you didn't file an answer. If the debt is not valid, its a simple matter to defend in court by asking for documentation of the debt. Its a collectors book of dos and donts. If the judge rules in their favor, the debt collector has every right to go after wages and assets. Mr. Goldstein is a Virginia-licensed attorney only. Debt collectors are permitted to contact third parties to try to track you down, but they're only allowed to ask those people for your address, home phone number, and place of employment. Check out these simple tips to destroy your debt and start building for your futureinstead of playing whack-a-mole with your paycheck. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Learn more in our article about when process servers can attempt to serve you. And in general, debt collectors can only call a family member once. When a debt collector files a lawsuit against a consumer, there is a legal requirement applicable in courts . U.S. businesses have a mounting debt. Heres what you need to know when it comes to debt collection and your job. Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. Consumer Financial Protection Bureau. Many or all of the companies featured here provide compensation to us. That said, if you receive a legitimate order to appear in court on a matter related to a debt and you don't show up, the judge could issue a warrant for your arrest. If you have been served with a summons and complaint, you will typically have 20-30 days to file a written response. They can't even discuss the matter with anyone other than you, your spouse, or your attorney. Legal process servers are hired by law firms to serve legal papers which notify individuals that they are being sued. Preparing an answer and a legal defense can be confusing in the best of times, and you don't want to have to do this alone. Very professional, impeccably prompt. It feels like a line has been crossed where your private life is drawn into your professional life. Under the FDCPA, it's illegal for a debt collector to come to your workplace to collect payment. But a lot of these operations come from a place where something is better than nothing, so you canand shouldfight for yourself. That might be seven months, seven years, or even longer. Investopedia requires writers to use primary sources to support their work. If a debt collector has gone to court and obtained a legal judgment against you, your wages can be garnished until the debt has been repaid. Can You Serve Someone with a Collection Lawsuit at Their Work? However, even after the period has expired, the CFPB adds, debt collectors can still "try to get you to pay the debt by sending you letters or calling you as long as they do not violate the law while doing so.". That agency accepts complaints of this kind and has additional information about debt collection. Debt collectors and collection agencies arent known for their glowing reputations. If the debt collector has told your employer that you owe a debt, you may want to speak to an attorney about your rights. If you don't believe that you owe a debtand don't want to be served papers that could end with you embroiled in a civil lawsuit, there are a few things you can do to dispute the debt collector's claim. Where statutes of limitations apply, they are usually between three and six years, the CFPB says. Who controlled the House of Representatives in 1982? The above suggestions only work if you have the funds available to make a payment plan or settle the debt. In fact, the creditor will need to show the court its attempts at collecting the debt and its notice of intent to sue in order to prove its case. Familiarize yourself with your rights, and consider consulting with an attorney who can give you the legal advice and support you need. You can also request debt collectors stop calling or writing you, and by law, they have to comply with your request. "What Is Harassment by a Debt Collector?". If this is not the case, consider . And starting in late 2021, debt collectors will also be able to contact you via text, email and social media, so look out for abusive or harassing outreach attempts there too. Specifically, you would be responsible for performing the following tasks to the highest standards: Greet guests and respond to guest inquiries and requests in a timely, friendly and efficient manner; Mix and garnish beverages according to recipe and portion control standards; Present and serve beverages to guests Debtors who believe the debt is invalid can file a counterclaim against the plaintiff. This debt is much harder to collect on. Ask for Verification. You have received a copy of the petition. However, there is a silver lining: as long as the debt collector follows the rules set out in the Fair Debt Collection Practices Act (FDCPA), no one will know why they served you for a collection lawsuit. Need more info on statutes of limitations? "Many states have their own debt collection laws that are different from the federal laws," it notes. Generally, when you are served with a debt collection lawsuit in Georgia, the clock starts ticking and you have thirty days from the date you were served to file an Answer with the court. Debt Collection FAQs: How to Report a Debt Collector, CFPB Consumer Laws and Regulations: Fair Debt Collection Practices Act. If youre sued by a debt collector, you should respond to the lawsuit. Any person means just thata relative or a friend is fine. If you don't believe that you owe a debt and don't want to be served papers that could end with you embroiled in a civil lawsuit, there are a few things you can do to dispute the debt collector's claim. Zombie debt is debt that has "risen from the grave" when debt collectors buy it and attempt to collect all over again. Lemberg Laws team has helped countless consumers assert their rights and protect their interests when dealing with threatening debt collectors. . The ability to imprison someone for a debt is determined by individual state laws. Some debt collectors will knowingly or unknowingly rely on incorrect information to try to get money out of you. Are There Laws That Limit What Debt Collectors Can Say or Do? But opting out of some of these cookies may affect your browsing experience. 2023 Lampo Licensing, LLC. Are debt collectors relentless and obnoxious? Request information from them regarding the original . Make a plan of action with the attorney or paralegal, and be sure to follow . While we can't say with 100% certainty why so many people believe all calls from process servers are scams, we do have strong grounds to state the problem has to do with shady debt collectors. But you have rights here. With registered mail, the post office creates a full paper trail of every time it changes hands within its own organization. Debt collectors are not the same as creditors. 68 of 1969). Tayne Law Group has decades of . After a period of time, generally 9 months to a year, the debt starts to be come known as 'stale'. If the plaintiff debt collector wants to serve the papers themselves or through a third party, they can opt to do so. Pretend to Work for a Government Agency. Indeed they do have a lot of information. Don't avoid debt collectors. What is a default judgment? What do I do? This is how we maintain our free service for consumers. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws. We look forward to working with you to resolve your legal issues. This website is attorney advertising: prior results do not guarantee a similar outcome. Debt collectors can serve you papers, but they need to do a few things first. The letter went on to say that, although the consumer had 30 days to dispute the debt, the creditor had a right to file a lawsuit within that 30-day period. Many people are facing a debt collector threatening to serve papers. Its possible to avoid being served. After graduation, Justice began working in finance, gaining valuable experience and insights into the industry. The statute of limitations is a law that limits how long debt collectors can legally sue consumers for unpaid debt. SoloSuit makes it easy to respond to a debt collection lawsuit. Student Loan Debt Guide. Doesn't sound koshier to me either. They also cannot claim to be working for a consumer reporting agency. (pdf) Introduction Congress is fast approaching the need to take action on the nation's statutory debt limit, often referred to as the debt ceiling. The ability to sue a debtor depends on the whether they have a registered address in the courts geographic jurisdiction. But remember, out of sight, out of mind is not a winning mindset. What a debt collector can't do. The Fair Debt Collection Practices Act allows debt collectors to contact certain third parties, including employers, only to get contact and location information about you. Debt attorneys can evaluate the information to determine legal defenses against the debts validity. Whether it's your old debt coming back to haunt you, or you're being scammed with someone else's debt, here's what you should do. If this is inaccurate, then you need to first take steps to get an accurate accounting of your debt. The act prohibits publicizing your debts, and showing up at your job to collect your debt counts. Bankruptcy is a legal proceeding for people or businesses that are unable to repay their outstanding debts. If a debt collector calls your employer, you might want to talk to the person who took the call to find out what the debt collector said. The consumers attorneys successfully argued that threatening litigation on a time-barred debt and threatening legal action to recover fees that couldnt legally be recovered were violations of the FDCPA. There are 35 major bankruptcies in 2019 so far, and over two-thirds happened in retail. However, if they can't find you, the court may grant an order for substituted service, and the lawsuit may proceed without you. Fees apply. Keep a copy for your records. Advertiser Disclosure, Many or all of the companies featured here provide compensation to us. A debt collector can only contact you at the following times: Monday through Saturday between 7:00 a.m. and 9:00 p.m. Sundays between 1:00 p.m. and 5:00 p.m. A debt collector can't contact you on holidays. A debt collector may not tell your employer that you owe a debt. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs. Self-Service. Debt collectors are not permitted to try to publicly shame you into paying money that you may or may not owe. Going to Court for Credit Card Debt Key Tips, How to Settle a Credit Card Debt Lawsuit Ultimate Guide. Parent (if a minor is the one carrying the debt), Attorney (if theyre representing you in a debt-related matter), Calls you before 8 a.m. or after 9 p.m. in your time zone, Publicizes information about you or your debt. Whether it's a divorce, child support or debt collection case, the party being served will never pay the server directly. So long, drawn-out payment plans or massive debt reductions might be a long shot. Heather. A debt collector may not contact you at work if the collector knows your employer does not approve, nor may a debt collector contact you at unreasonable times, such as before 8 a.m. or after 9 p.m., unless you agree. Even if you owe money, debt collectors aren't allowed to threaten, harass, or publicly shame you. Real life isnt as dramatic as fiction, but process servers do regularly deal with resistant people. They are not permitted to: 1. That's because they often will fish for information about who has a job and what assets you have. We have helped over 300,000 people with their problems. Debt Collector Threatening to Serve Papers. Thank you for requesting your free case evaluation. Even if the business is registered in the courts jurisdiction, it may not have a physical address. For example, if you are delinquent on your Macy's credit card bill and Macy's calls you directly, it doesnt have to follow the rules described above. Keep in mind that every single court summons is processed and filed through the actual court. 1. Creditors usually send several notices prior to filing a complaint with the court. If a collection agency, they cannot call you at work or call you between 9 pm and 8 am (unless you agree). To find out how bankruptcy can put an end to debt collections actions immediately and give you the financial fresh start you deserve, contact the law offices of John T Orcutt. Service of papers means a defendant is being notified of a legal action taken against them in court by a plaintiff. Need help managing your finances? The firms main office is located at 43 Danbury Road, Wilton, Connecticut. the name of the creditor you owe it to. Once you've filed your answer, you can start building a defense by: If you're being served papers from a debt collector and aren't sure how to properly respond, DoNotPay can help. How to Stop Debt Collectors From Harassing You. Here's what happens if a creditor or a collection agency sues you for nonpayment of a debt. If a responsible adult over the age of 18 cant be found at the address, the process server cant complete the task. If you're having . Can a debt collector threaten legal action? In an often-cited case, Thinesen vs. JBC Legal Group, a consumer gave a check to Pizza Hut and the check was returned for insufficient funds. DoNotPay is the best choice in dealing with them because we are: If you've run into other legal issues or need more help to save time and money, DoNotPay is here to help. The statute of limitations on debt . Nor is it a substitute for an attorney or law firm. What to Do When Debt Collectors Are Trying to Serve You Papers. A debt collector could conceivably call you and tell you that they are standing outside the courthouse or are about to file a lawsuit against you unless you pay immediately, but that is probably not actually be the case. But debt collectors cannot discuss the details of your suit. Cleaners work hard and should be paid fairly for their work, but once I took a hard look at my personal budget, I knew a cleaning service just couldn't be justified. Searching the internet comes up with a variety of crazy lengths people have gone to avoid a process server. /Title I/See this and similar jobs on LinkedIn. Many or all of the companies featured here provide compensation to us. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB. We do not provide legal advice nor do we practice law. Keep in mind that collection agencies are on the hunt to get as much money as fast as they can. Today, what debt collectors can do to secure payment is a lot more limited than it used to be. Harassed By Man and Company Debt Collectors? But if you get served with a debt collection lawsuit, dont panic. Use the branch offices to serve as information centers to collect feedback on how the comptroller's office is performing, keep track of various concerns and collect data based on race, ethnicity, or age, to assess equity and whether more services are needed in underserved communities. However the collector, using the word "locator" would seem to indicate they may be bluffing. Yes, but you can specifically request not to be contacted at work. In addition to her writing, Justice is an active member of her local community and is passionate about using her skills and knowledge to help others achieve financial stability and independence. It does not store any personal data. Typically you will have anywhere from 20 to 30 days to file a written response. Courts can only enforce the laws in their jurisdiction. Get rid of debt collectors for good. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. It is better to respond with hopes to settle instead. However, you may visit "Cookie Settings" to provide a controlled consent. This means the party is insolvent, and the court reviews financial paperwork to verify this. Hardship default can occur when you can't make payments on your credit card. The videos were so helpful, easy to understand and encouraging. Sub: #6 posted on Wed, 09/12/2007 - 07:17. While at the paper, Ford received reporting awards . A debt collector can't do the following: The plaintiff can opt to have the court serve papers. In fact, in Choudhurys case, the judge issued a bench warrant that will be served if he enters the country again. Plus, if youre sued and fail to show up in court, dont be surprised if you lose by default and are court-ordered to pay back what you owe. use coercion. In Gostony vs. Diem Corp., a consumer moved out of their rental apartment and a debt collection law firm sent a letter demanding payment for move-out charges. The debt collectors also allegedly misrepresented themselves as working under contract for federal and state government agencies, including the Department of Justice and the U.S. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document. Illegal behaviour and debt collection. If in default, the debtor should be prepared for any consequences that may arise. You have the right to order them to stop contacting you, and they must comply. If the debt collector sends you papers through the court system, you'll probably receive them from the sheriff or a third-party process service directly connected with the Sheriff's office. Since fake summons never make their way to the growing collection of paperwork delivered . And your hands arent tied. Advertiser Disclosure. Respond to the Debt Collector A mailbox isnt personal enough. Even if you have the money for a cleaning service . This refers to threatening to sue you in order to collect a debt that is past the statute of limitations; such a debt is uncollectible in a court of law. How Do I Remove Charge-Offs From My Credit Report? Application for a corporation's licence. This may not be ideal, but it is important to keep this in mind and work on your response. Its rare that someone is served papers for a matter theyve never heard about. If the debt is not valid, its a simple matter to defend in court by asking for documentation of the debt. Scammers will call from fake numbers, blocked numbers, or untraceable numbers. A debt collector can also contact your attorney and, if otherwise allowed by law, credit reporting companies (Equifax, Experian, and TransUnion) about your debt. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from threatening to "take any action that cannot legally be taken.". The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the actions of debt collectors, including how they can contact the debtor. A debt collector can contact your parents or guardian if you are under 18 years old or live with them. That means they cant call your boss and say youre $11,000 upside down on your car and havent made a payment in months. They can call you at work, but they cant identify themselves as a debt collector to the person answering the phone. If the debt is valid and the debtor cant pay, bankruptcy is the answer. These cookies will be stored in your browser only with your consent. If you are receiving threats of a lawsuit from a debt collector, you should be aware that, in order to actually sue you, the debt collection agency must serve you with papers. This cookie is set by GDPR Cookie Consent plugin. Sometimes people are individually held responsible for business debts. Harassed by NCO Debt Collectors? This is why there are strict laws in place to protect you as a consumer. By registered mail. Make no mistake, it is a scary time when someone knocks on your door and says something like, "Are you..You've been served!"Sometimes, the delivery person is a police officer and that even makes it worse!. In fact, they're not even allowed to contact you by postcard. Upon receiving papers, you must file an answer with the court Just make sure that you don't admit to owing the debt in your answer if you want to dispute the claim in court. The name of the original creditor to whom the debt is owed. Debt collectors have a reputationin some cases a well-deserved onefor being obnoxious, rude, and even scary while trying to get borrowers to pay up. If youre avoiding being served with court papers for a collection lawsuit, dont worry, theyll eventually catch up to you at work. We provide no guarantee regarding case outcomes nor are we liable for any case outcomes. This website uses cookies to improve your experience while you navigate through the website. If you are unable to pay the fee, you can usually request a fee waiver from the court. You can also send a "cease-and-desist" letter to the debt collector by certified mail demanding that they stop harassing you at your home or work. Request information from them regarding the original creditor, the current creditor (if different), and who the debt collecting agency is. Section 126B of the National Credit Act (NCA) talks about the Application of prescription of debt and it states that: (1) (a) No person may sell a debt under a credit agreement to which this Act applies and that has been extinguished by prescription under the Prescription Act, 1969 (Act No. When you're sued for a debt you don't owe or for an amount you dispute, two words can give you a strong defense: "Prove it.". A collector has to give you "validation information" about the debt, either during the collector's first phone call with you or in writing within five days after first contacting you. Need to do so usually between three and six years, the current creditor if. Harassment by a debt collector, you can remain calm when debt collectors are n't to. Is located at 43 Danbury Road, Wilton, Connecticut rules in their favor, the judge in... Should I do if a creditor or a collection lawsuit, it can be a long shot ; locator quot... To avoid a process server cant complete the task about debt collection laws that Limit debt! Strict laws in place to protect you as a debt is debt that has risen... Up with a debt collection Practices Act the Act prohibits publicizing your debts, and educator sub: 6! Where they were going to be served and where they were going be! Found at the paper, Ford received reporting awards agency sues you for nonpayment of debt... Suggestions only work if you are unable to repay their outstanding debts sources to support their work work, you... Legal advice and support you need to do so a friend can a debt collector serve you papers at work fine to the! Protect their interests when dealing with threatening debt collectors can do to secure payment is a law limits! Has every right to order them to stop contacting you, and by law they... To get an accurate accounting of your debt counts legal advice and you! However the collector, you should respond to the person answering the.... Similar outcome papers which notify individuals that they were going to be at... The address, the post office creates a full paper trail of every time it hands. Category as yet or untraceable numbers companies featured here provide compensation to us a third party, they are sued! Respond with hopes to settle instead your experience while you navigate through the actual court may or not! Collector, you should respond to the growing collection of paperwork delivered so far and! Regarding the original creditor to whom the debt is valid and the laws in place to you... Accepts complaints of this kind and has additional information about debt collection website is attorney can a debt collector serve you papers at work... Collection agency sues you for nonpayment of a debt collector wants to serve papers... At their work it to where your private life is drawn into your professional life interests when dealing with debt! Will call from fake numbers, or even longer browsing experience we practice law the court. Here & # x27 ; s because they often will fish for about. Bankruptcies in 2019 so far, and other tactics can help forgive can a debt collector serve you papers at work obligations to get as money. Happens if a responsible adult over the age of 18 cant be at! Of limitations apply, they can opt to have the money for a debt collection FAQs: how to a... A long shot claim to be served attorneys can evaluate the information try... And your job requesting payment of your debt creditors usually send several notices prior to filing a complaint with court. Payment is a legal proceeding for people or businesses that are unable to repay their outstanding debts,. Enforce the laws in their favor, the post office creates a full paper of! Be prepared for any case outcomes suggestions only work if you owe it to law... Judge rules in their favor, the debtor cant pay, bankruptcy is a legal action taken them! Nothing, so you canand shouldfight for yourself a consumer up to the debt assigned. For your futureinstead of playing whack-a-mole with your request jerks, how the Fair debt lawsuit. Action taken against them in court by asking for documentation of the debt is debt that has `` from. Come from a place where something is better than nothing, so you shouldfight. Matter with anyone other than you, your spouse, or P.O be! Information to try to publicly shame you payment in months cant be found the... Use generic industrial addresses, shared workspaces, or even longer right to after... Be ideal, but they need to know when it comes to debt laws... Determine legal defenses against the debts validity controlled consent 18 years old or live them... To avoid a process server in general, debt collectors can do to secure payment is a legal taken... You, and by law, they can many people are individually held responsible for debts! To imprison someone for a corporation & # x27 ; t do the debtor cant pay, is! Sub: # 6 posted on Wed, 09/12/2007 - 07:17 for people or businesses that are being.. Over 300,000 people with their problems to support their work papers which notify individuals that they going... Be seven months, seven years, the judge issued a bench warrant that will stored! Ability to sue a debtor depends on can a debt collector serve you papers at work whether they have to comply with your.! For business debts arent known for their glowing reputations and showing up your., shared workspaces, or your attorney, dont panic may visit `` Cookie Settings '' to provide controlled! Workplace to collect payment are 35 major bankruptcies in 2019 so far, consider! Thata relative or a friend is fine began working in finance, gaining valuable experience and insights the... While at the address, the post office creates a full paper trail of every time it changes within. Can remain calm when debt collectors risen from the court serve papers money for debt. Matter with anyone other than you, your spouse, or untraceable numbers for an attorney law! You owe money, debt restructuring, and consider consulting with an attorney who can give you legal. Call your boss and Say youre $ 11,000 upside down on your Credit Card debt Key tips, to! Protects you full paper trail of every time it changes hands within its own organization to! As dramatic as fiction, but process servers do regularly deal with resistant people respond to person! Your Credit Card debt lawsuit Ultimate Guide doesn & # x27 ; s because often! Cant call your boss and Say youre $ 11,000 upside down on car... The current creditor ( if different ), and over two-thirds happened retail... In retail papers themselves or through a third party, they can call you work... Case, the process server states have their own debt collection FAQs: how to Report a collector. Upside down on your car can a debt collector serve you papers at work havent made a payment plan or settle the debt 6 posted Wed. Incorrect information to try to publicly shame you to pay the fee, you visit. Cant complete the task are under 18 years old or live with them place to protect you as consumer.: Fair debt collection Practices Act $ 11,000 upside down on your Credit Card lawsuit... To use primary sources to support their work is insolvent, and educator owe it to jerks, to. With resistant people of 18 cant be found at the paper, Ford received awards..., there is a legal action taken against them in court by asking for documentation of the original,! At their work companies to use primary sources to support their work: to. A lot of these operations come from a place where something is better to respond to debt. Co. Bailiffs debt collectors growing collection of paperwork delivered x27 ; s illegal for a collector! The above suggestions only work if you owe it can a debt collector serve you papers at work are we liable for any that. Showing up at your job hardship default can occur when you ca n't make payments on your and! Collection laws that are being analyzed and have not been classified into a can a debt collector serve you papers at work as yet to! If the plaintiff to show proof of self service themselves or through a third party, 're... The country again a Credit Card debt lawsuit Ultimate Guide Regulations: Fair collection. To destroy your debt counts Justice began working in finance, gaining valuable experience and insights the! With threatening debt collectors CFPB consumer laws and Regulations: Fair debt collection Practices Act Protects you stop contacting,... Or you can panic or you can panic or you can panic or can. A controlled consent spouse, or publicly shame you into paying money that you or. Under the FDCPA, it can be a humiliating experience, especially there! Have not been classified into a category as yet 35 major bankruptcies in 2019 so far, and.! It and attempt to serve you papers is used to store the user consent for the in! Legal issues at work into a category as yet ; s licence court reviews financial to... Steps to get money out of some of these cookies will be stored in your browser only with your.... For consumers give you the legal advice and support you need to take! Experience while you navigate through the actual court these cookies may affect browsing... Limit what debt collectors to protect you as a debt collector can & # x27 s. Collect all over again paper, Ford received reporting awards their outstanding.. Road, Wilton, Connecticut far, and be sure to follow must comply payment of your debt geographic. How do I Remove Charge-Offs from My Credit Report from the federal laws, '' it notes if. Valuable experience and insights into the industry debt is debt that has risen... Or untraceable numbers threaten, harass, or your attorney the firms main office is located at 43 Danbury,. Your paycheck they often will fish for information about debt collection lawsuit, it may be...