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About Jack Hall
Expertise
Will answer questions about consumer or small business bankruptcy, foreclosure, evictions, wage garnishment, bank account seizures by creditors, creditor harassment, repossession and/or surrender of vehicles and other personal property, and civil lawsuits seeking to collect credit card and other debts. Can also answer questions relating to debt management and the effect of bankruptcy on one’s credit history. Can discuss the various options an individual or business may have relating to pressing financial difficulties. In addition to sending me an email, You can also call me at this number if you want to discuss any question on the telephone: 915 261-3893
Experience
Over thirty years of experience assisting clients in all aspects of debtor/creditor relationships. This experience has primarily involved assisting individuals and small businesses that are having financial difficulties, and have also had some experience assisting creditors attempting to recover financial losses.
Education/Credentials
Law degree (Juris Doctorate, J.D.); Bachelor of Arts and Masters degrees in political science/government
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You are here: Experts > Business > Corporate Law > Collections Law > Recover Funds collected
Expert: Jack Hall - 11/12/2009
Question
Hi Jack,
I really hope you can point me in the right direction.
Wife and I live in NJ. Wife had a Capital One card that went into collection and were contacted by Collection firm "AAA".
Was not disputed and they pushed through the courts leading to a lien on bank account for amt owed plus fees, interest, etc almost doubling the original Amt past due. Money was taken in 2006 and a letter was sent saying settled in full.
2 years later, another collection firm "BBB" contacts us saying they are collecting on the very same debt as what was paid in 2006. They back it up with copies of statements, SSN, etc. Basically all ducks in a row.
Looking back at the 2006 "AAA" firm, they didn't even have a SSN, or copies of statements, nothing to validate.
"BBB" contacts "AAA" to verify was paid in full and "AAA" says no, it was not the person you are collecting from !!!
What do we do ? Small claims court against "AAA" plus interest plus more ???
Thanks in Advance for Advice.....
Patrick
Answer
Patrick: Under these circumstances, you might be able to do better than just a small claims action. This would be easier to talk about on the telephone. Can you call me tomorrow at his number 915 261-3893 You can call me anytime at your convenience and we can discuss your options more thoroughly than just doing a back and forth email exchange.
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