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Do collection agencies have to tell you what the original debt is that you owe? Or can they just sue you without saying why?
Anonymous8 views3 answers
I've discovered that I was sued, back in 2007 by a Collection agency called MCT Group. I am just findout out about this now. This happened in California and I have now been living in Washington for 5 years. But the point is that MCT Group is a collection agency. Specifically they are a group of lawyers. So since I did not personally hire them or have not done business with them, if they are saying I owe them money there must be some origonal debt that was with another company or buisness that I owe on. I feel that I have a right to know what the debt was without the lawyer fees and why I owe it. They shouldn't just be able to take my money when I wasn't given the opportunity to be present at the time to defend myself.
Andrew David ShaferCommercial Real Estate AttorneySeattle, WA ·
Order your credit report. If a judgment has been taken, it will be in the report, disclosing the court and case number. Once you have that information, contact the court to obtain proof of service. If you were served, your time for filing a motion to vacate the judgment is unlikely to succeed. At that point, you will need a California attorney to go any further. It's pretty surprising that this has been out there for seven years and you're just now learning about it.
My best guess is this firm purchased a judgment and is now trying to collect it. There is nothing unlawful about this but under the FDCPA and the Rosenthal Act (the California law), you have the right to know the identity of the original creditor.
Both of the previous attorneys are correct. You must first determine if there has been a judgment against you, and the amount of any judgment. There are many questions you need to have answered. Go to the website for the National Association of Consumer Advocates (NACA) at www.consumeradvocates.org to find an attorney near you who may help answer your questions. Good luck!
