Feb 08, 2022 · Maybe. The answer is not a simple yes or no. It depends where you're at on the litigation "timeline". Before your wages can be garnished or funds seized from your bank account or liens put on your property, the creditor must be awarded a court judgment against you. But before a court judgment can be awarded against you, the law firm must file a ...
Feb 12, 2014 · Last week received letter by usps priority mail (not certified) from Discover Card. Titiled "Attorney Placement Pending". Says they are going to proceed with Legal Action if we don't hear from you by July 31 and acct will be forwarded to attorney to obtain a …
Aug 11, 2011 · Okay, here's the deal. It used to be that when Discover sent these overnight letters threatening attorney placement, they were always 100% true and did indeed place the accounts with attorneys. More recently, however, we have noticed that this is not necessarily the case, and only about 40% of these accounts end up with attorneys.
Nov 22, 2013 ·
The attorney can be contacted to discuss the matter. It cannot be said for certain whether that will stop the filing of a lawsuit, if it has not already been filed. Generally, the matter will come down to whether the debt can be paid.
You can certainly contact the attorney but the letter may all be a scare tactic.
Whether it is "legit" depends on if the law firm is in state or out of state. Only an attorney licensed in your state can file a suit against you on behalf of the plaintiff. Some law firms are nothing more than glorified collection agencies. If the law firm is from out of state, then it is unlikely that lawsuit is imminent...
Decided to sell my house about a year ago, neighbor made an offer but it was too low for me and I decided to fix up the house and put it on the market to get a higher price. I told them this, they stayed silent but was watching me constantly when I was fixing up the house.
I'll try to keep this brief and will elaborate if anyone is interested or can help. First of all I'm in Texas. As in the title above, I WALKED into a chiro I've been seeing for years for a small flare up in my lower back. I went to a new location and was treated by a Dr. That I had never met before and who clearly doesn't care about his patients.
About 2 months ago I opted to get LASIK surgery and was super excited to get the procedure. I went in for the consultation and was told to come in the very next day and I could get the surgery done. Following the instructions of the nurse I took Friday off and canceled all my contract work for the next couple of days .
If you would like to consult with me about your Discover debt you can reach me at 800-939-8357, choose option 2. If you are dealing with an attorney collecting for Discover, and want affordable legal help to handle the court process while working toward settlement, fill out a profile on this site and get help.
Settling your Discover card before it gets charged off (6 months late), is most often going to be accomplished by speaking with a collections/recovery representative employed by Discover.
Creditors deal with things the way they want to; assignment and contingency collection agencies do things a certain way (often as dictated by creditors placing debt with them); debt buyers manage their operations and collection files in the way that makes sense for them. They can all make changes to their practices and recovery goals due to changes in the economy, internal data, legislative changes at the state and federal level, lawsuits they may have defended and lost, or succeeded in, new case law, decisions from higher courts, etc. Consumers electing for arbitration was an effective way to cause creditors and debt collectors to treat the file as a hot potato after the National Arbitration Forum was shut down several years ago. The effectiveness of the strategy was/is real, but is ebbing towards non effective as card holder agreements have been adjusted to eliminate clauses, arbitrators see this as a ploy, and creditors, like Discover, dig in and become stubborn. Stubborn can mean Discover, and other banks, are willing to spend the money taking some of the cases all the way through – even though the costs can far exceed what they can collect (especially given the fact that if they win the consumer can elect for bankruptcy).
Discover, and other large credit card lenders, do have policies and protocols in place that, to them at least , would be the normal treatment applied to a small percentage of accounts where they receive canned letters (perhaps like the one Jay sent), from their card members.
If you want to settle a Discover debt, and have a plan and the means to do so, sending them form letters offering a deal is not the best way to go about it. Yes, there are websites full of anonymous posters who promote sending letters for this, that, and the other thing. There are merits to, and strategic goals that can be accomplished with these letters. Using them effectively is situational though. But the promoters of their use rarely dig deep enough to learn about someone’s goals and financial situation to compare alternatives. And readers of these sites often fail to volunteer the particulars of their goals and finances in order to receive more useful feedback. In fact, most people reading this, and other debt and credit related websites, do not post at all. That is not Jay. He IS on other websites, and here, looking for more feedback. That’s great. But before he got to the place where he started looking for more feedback, I assume he read somewhere that sending in a 25% settlement offer with some canned wording to Discover Card, in order to settle with them, was a good idea. It is not. It is a good way to blow the opportunity to settle with Discover for 40% to 50% before they charge off the account and place it into their collection pipeline.