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Question By
laraebeddow

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Can all credit card co. put a judgement on your home?

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Top Contributor
7371 Contributions
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NO!!

Sounds like you are dealing with a collection agency that is trying to collect on a past due credit card, right?  Keep a log of date, time, name of the person and things said by them.  Request a mailing address for them.  Then send them a letter stating that you prefer not discussing the topic of the account over the telephone because their calls come at times inconvenient for you so all further communications MUST be via U.S. Mail.  Send this letter certified, return receipt requested and keep a copy for yourself.  You will also hold on to the card that is returned as proof they got the letter.

These creeps have violated the law because they cannot threaten to do anything they don't have legal authority to do.  They cannot take your house or car, they cannot throw you in jail.  They MUST obey your demand for written communication or else (for your information only) you may be able to sue them for said violations.  That's why you should keep a log  with all relevant information.

I'd like to see how this plays out for you, so will be keeping track of your posts.

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