This is by all means not any sort of legal advice, this is just my personal opinion from working in the collection industry.

By law, they are not allowed to threaten you with legal action unless they actually will proceed with that action. If they do proceed with that, they first must send you a written notice advising you of this. However, this may be slightly different if its a law firm contacting you.

However, remember the statute of limitations. If you went into default before 2004, the limit is 6 years for the creditor to pursue you legally. If its after 2004, they have 2 years to pursue. However, they can still attempt to collect on the balance.

There are certain strategies you can use to limit communications with these organizations. However, I would only recommend them if you are willing to pay the debt as opposed to using the methods to run away from your debts.

I'm having the same problem with these jerks!! I'm not working I had a baby six months ago and have a 3 year old too!!! We can't afford daycare because it's crazy expensive..They keep telling me they are going to sue me for a measly $621.33..It's not alot I know but I'm not working..And they are calling me about 5 to 8 times daily..When I answer it's a message saying I need to call them back..Are they bluffing once again???

(Information deleted that might negatively affect another member.)

I was wondering about the yachts,if the collection agencies were out on the water in their yachts and a somali pirate boat was close would the pirates not attack out of professional courtesy.You would think they are both collection agencies so there would be some honor not to attack each other.

Thanks for the feedback guys,
they are a bunch of bloodsuckers, I will pay them but when I get it.
Ms. Marva Jones was the leech I was talking to.

Just tell them to stick their schtick where the sun don't shine. The unemployed, disabled and ambulance case are the only people David Pomer chases down.

If they were going to sue you, they wouldn't be threatening for a year - they would do it right away.

But you've paid off $2000 in a year; that's really good. Pomer, the old buzzard, knows they;re getting paid faster without going to court so they're keeping up the psychological tenderizing. Obviously, it's working.

As for me I'd call ext. 2301 and remind Pomer and his Punjabi/Afghani/Somali lackeys that they know where the nearest court house is. They know it would take them 12 to 16 months to get a court payment order which would probably be for less than what you're giving them now. Pomer knows all the tricks of the trade. You have to in order to afford big yachts.

Ray

If you have a phone recorder, i would record your calls without them knowing about it.

funkyone.. you sound surprised...

keep reading... this site is full of answers.

Hi there,

I'm new at this, I just got off the phone with the people at pomer & boccia
and they say they are going to sue me. I've been threatened for over a year now and have paid them $2000.00 this year of the $5,000 I owe canadian mastercard. my balance is now $3,000 and they are getting more aggressive and rude. I can't even get a word in edgewise, I was laid off in sept and just started a new job and told her that I would start paying in january and that wasn't good enough for them. She said that I had no problem taking their money (canadian tire) and I should start paying them back. How can they treat you so rude. She said she was going to sue me now and hung up. Then she phoned back 3 min. later and recited my address and how much my house cost and hung up again. what can I do to get these people off your back. even though your paying them they keep wanting more. I'd be better off getting a loan from a mobster.
can someone help me!

gysyblue

Mark Silverthorn indicates that 1 in 10,000 collections will be sued.
It's much too expensive to do all of that for $1200.

I agree with Raymond