We filed bankruptcy in March of 2004 and were discharged in July. The law in ND states that any payment that you made to any creditor that you are not reaffirming, over $600 in the 90 days prior to filing has to be reimbursed. Well, we had a garnishment that took $1050 in that time so they are by law to surrender $450 (amount over $600) but their lawyers are being quite nasty. I have dealt with these guys before when they continued the garnishment after the filing and I had to fight tooth and nail for that money as well so I knew this wouldn't be easy. Anyways, my lawyer is fighting hard for us but has suggested that we report these guys for their illegal activity. Does anyone have any idea where we can report them to? Any ideas on how to get them to realize the law applies to them as well? Any help would be much appreciated.
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Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General's office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation. -
Thank you so much Todd. I will be typing up my complaint and the specifics of what has been going on but I wanted to thank you first. I just don't understand how someone who is supposed to be an expert of the law can have such a disrespect for it. Thanks again. Hopefully I can save someone else from having to go through the same thing with these people.Comment
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