Home
Hi, today we received a letter from a collection agency with regards to my mother’s unpaid credit card debt. To sum things up, my mother quit her job some time in 2011 because of her hypertension and enlarged heart, leaving her unable to pay her credit card loans.
The letter we received from Summit Collection & Allied Services Inc. seemed to contain a few red flags. Here is the message body for reference:
https://imgur. com/a/ynFJvLN
Here are a few questions of mine:
-On the second paragraph, how can they state that “it cannot be denied that with deceit and fraudulent intent?” What is their basis? Are they implying to file estafa? On what possible grounds? My mother never issued any cheque or signed any promisory agreement to pay on arrears
-Can my mother’s unresponsiveness be really used as “evidence of admission of criminal liability?” Isn’t it a bit too farfetched?
-Is there any statement in the letter that could be considered as grounds for harrassment? My mother has heart and blood problems and this letter is not helping her condition.
-What’s the best course of action for this? Should we take it to the court? My mother can no longer pay this amount that they’re demanding to be paid as soon as possible. She also has no properties left. We are still in a deep financial hole in form of college debt and we cannot settle this amount right now, but we intend to settle it once the other debts are patched up.
EDIT: the letter obviously states we could submit a compromised agreement but it seems they only want a full payment after my uncle tried to call in behalf of my mother. Can someone explain this?
I would appreciate all responses. Thank you!
The letter we received from Summit Collection & Allied Services Inc. seemed to contain a few red flags. Here is the message body for reference:
https://imgur. com/a/ynFJvLN
Here are a few questions of mine:
-On the second paragraph, how can they state that “it cannot be denied that with deceit and fraudulent intent?” What is their basis? Are they implying to file estafa? On what possible grounds? My mother never issued any cheque or signed any promisory agreement to pay on arrears
-Can my mother’s unresponsiveness be really used as “evidence of admission of criminal liability?” Isn’t it a bit too farfetched?
-Is there any statement in the letter that could be considered as grounds for harrassment? My mother has heart and blood problems and this letter is not helping her condition.
-What’s the best course of action for this? Should we take it to the court? My mother can no longer pay this amount that they’re demanding to be paid as soon as possible. She also has no properties left. We are still in a deep financial hole in form of college debt and we cannot settle this amount right now, but we intend to settle it once the other debts are patched up.
EDIT: the letter obviously states we could submit a compromised agreement but it seems they only want a full payment after my uncle tried to call in behalf of my mother. Can someone explain this?
I would appreciate all responses. Thank you!
Last edited by jimmygammi on Tue Jul 31, 2018 4:07 pm; edited 2 times in total (Reason for editing : Updates)
