TUG Review Crew: Veteran
- Jan 10, 2010
- Reaction score
- Fairfax County, Virginia
- Resorts Owned
- Wyndham VIPF & PresRes, HVC/DRI (Gold), Quarter House (4), Resort on Cocoa Beach (2), HGVC Tuscany Village, HGVC South Beach-McAlpin, HGVC Parc Soleil
I would send a letter to cease and desist all collection letters and calls per the fair credit collection act (I think I have this right. Google it to make sure). That will at least stop them fro pestering you. It might be worth it to pay a few hundred dollars to get the opinion of an attorney skilled in collections to make a decision wether or not council is worth the cost in your situation.
What will they do? Hard to say. Maybe just turn it over to collections. Maybe they’ll actually attempt to get a judgement and force payment. Maybe they’ll foreclose and I’ve on. At a minimum I’m pretty certain you’ll have to endure various collection agencies for the several years. At worst you might have a judgement against in which case you’ll have to consider paying the judgement vs filing bankruptcy.
It's the Fair Debt Collection Practices Act, which was amended in 2021. It's a fairly easy read as statutes go and the CFPB has a
I used that statute several years ago to quiet a law firm that was bugging me to pay a speeding ticket in Polk County, Florida that I had already paid. In addition, Polk County no longer engaged that law firm to do collections. I had a lot of fun with that, in emails and on the phone, especially after I found out the law firm no longer had the county as a client.
This was a $50 ticket! So, don't be so sure $26,000 won't be sent to collections.