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Question
Thank you in advance for your anticipated help. I enrolled Jan 2008 in an online Ph.D. program. I am in PA and the school is in Florida. All work was done by computer here in my home in PA. I left the program in Feb 2008. I wrote them a letter stating no further payments would be forthcoming. The outstanding bill is approximately less than $4000.00.
If they sue me for the remainder of the money (probably in florida), can I get the case moved to be heard here in Penna, as the damages took place here?
Thank you.
According to federal Fair Debt Collection Practices Act they must file suit in your location, usually in the county where you live.
If you sustained damages or believe they did not fulfil their obligation you may file suit against them or you can file a counter suit in the same court after they file against you, however if you file first you will probably have to file your action in their state.
It could be a while before they decide to file. They may send the account to a collection agency first. My question is were there student loans involved or did you have an installment agreement with the school? Please elaborate and I will try to help you sort this out.
The information you gave is limited so I do not know all the circumstances.
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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