My question involves collection proceedings in the State of: Washington.
Dear Friends: a debt collector sent me a first demand letter around the summer of 2017 for $2500. I mail a $2500 check to debt collector in early December, and it was never cashed, and I had no contact with debt collector since, other than to ratify the debt. In late December of 2017, the debt collector's client (creditor) sent me a past due invoice for a lesser amount of $2300. I quickly issued a cashiers check for the $2300 and mailed it to the creditor, and put through a stop payment on the early December check for $2500.
The creditor's debt collector is now sending me another demand letter for $2500 in legal fees, in addition to the $2300, and wants me to ratify by mail by a certain date (or else he will commence lawsuit) that I am going to pay the $2500 in legal fees in addition to the cashiers check I have already mailed.
Question. Does the Clients subsequent offer and my acceptance, cut off the debt collector's first demand letter ( IE first offer for settlement )?
What I'm fearing is this guy has the cost of a lawyer priced into this threat of lawsuit - If I don't pay it, I will have to get my own lawyer to appear which will be at least $2500.
Any thoughts on how to beat this ? Restitution ( duress ? ) ; economic duress ? Remitter through subsequent judicial opinion ?
The debt collector is a lawyer and thus has not purchased the debt.
Dear Friends: a debt collector sent me a first demand letter around the summer of 2017 for $2500. I mail a $2500 check to debt collector in early December, and it was never cashed, and I had no contact with debt collector since, other than to ratify the debt. In late December of 2017, the debt collector's client (creditor) sent me a past due invoice for a lesser amount of $2300. I quickly issued a cashiers check for the $2300 and mailed it to the creditor, and put through a stop payment on the early December check for $2500.
The creditor's debt collector is now sending me another demand letter for $2500 in legal fees, in addition to the $2300, and wants me to ratify by mail by a certain date (or else he will commence lawsuit) that I am going to pay the $2500 in legal fees in addition to the cashiers check I have already mailed.
Question. Does the Clients subsequent offer and my acceptance, cut off the debt collector's first demand letter ( IE first offer for settlement )?
What I'm fearing is this guy has the cost of a lawyer priced into this threat of lawsuit - If I don't pay it, I will have to get my own lawyer to appear which will be at least $2500.
Any thoughts on how to beat this ? Restitution ( duress ? ) ; economic duress ? Remitter through subsequent judicial opinion ?
The debt collector is a lawyer and thus has not purchased the debt.
Settling a Debt: Debt Collector Demand Letter Cutoff by Subsequent Creditor Invoice
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