credit card 빚 - ASK미국 - 미주중앙일보

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Q.credit card 빚

지역California 아이디s**im740****

조회3,177 공감0 작성일9/18/2017 8:01:29 PM

I received letters from a collection companies due to credit card debt.

Should I send " debt validation" letter or not?

something like following was was written:

"....if you sent a debt validation letter, we will get a record or get a Judgment and send it to you...."

Does it mean that if I send the debt validation letter, the collection company would go ahead for suing and get judgment?

* 등록된 총 답변수 4개입니다.

케빈 장 님 답변 [법률상담] 답변일 9/19/2017 12:36:06 PM

안녕하세요

해당 내용은 본인께서 빚이 있다는 것을 인정하는 내용을 보낸다면, 해당 내용을 바탕으로 Collection 회사에서 본인을 상대로 법원에 고소후 판결문을 받겠다는 내용이니, 이점 유의하시기 바라겠습니다.

감사합니다.

케빈 장 [법률상담]

직업 변호사

이메일 khjlawcorp@gmail.com

전화 213-221-1188

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이원석 님 답변 [법률상담] 답변일 10/2/2017 3:43:39 PM

In order to present the collection agency to sue you and obtain a judgment against you, you have to send a letter of disputed account claim within 30 days upon receipt of collection letter. Otherwise, the debt is considered
as a valid claim.

이원석 [법률상담]

직업 변호사

이메일 fredleelaw@gmail.com

전화 714-634-1234

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회원 답변글

m**ev**** 님 답변 답변일 9/18/2017 8:25:08 PM

You asked your questions in passable English and why not searching for information on the internet?
https://www.thebalance.com/debt-validation-requires-collectors-to-prove-debts-exist-960594

j**ng12345**** 님 답변 답변일 9/19/2017 12:17:51 PM

Just save all the letters from collection agencies and do not reply. Also, keep record of all credit card statement and payments.
If you have more questions, let me know.