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Posted in Paying Your Bills
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gi2k14

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Can a third party debt collector file charges?
Contacted by 3rd party debt collector for an old payday loan. They state that they will file charges on me for not paying this payday loan off. The last I had paid on it was 2014... I think. They refuse to mail or email me any documentation on the debt. Can they file charges on me?

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If they now own the debt, then the answer is yes. However, using threats of legal action is often done by debt collectors trying to scare a person into paying. When a debt collector threatens with legal action and is not truly going to take legal action is not only a lie, but also a violation of the FDCPA (fair debt collection practices act). I recommend that you look up the "statute of limitations" in your state to be sued for this type of debt (even if it has expired you would still need to go to court if they did take you to court). Read the FDCPA and contact a FDCPA attorney for a consult if you feel it is warranted.

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