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Call from B of A lawyer

Old 10-12-2020, 05:53 PM
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Default Call from B of A lawyer

So, long story short. Had a call today about a lawsuit to sign for papers And when Iíd be home to sign today. Asked about the reason. Wouldnít tell me. They gave me a number and case number. I call the number and itís a law firm. Said Iím being sued for a CC balance from B of A from 2004. Yeah I Fd up that card I was 18 at the time. My credit was repaired by a company 7 years ago. They were trying to serve me papers but havenít seen anyone yet.


Iíve been waiting for this guy to bring the papers like the amazon delivery guy. This lawyer clown was saying shit and wanted me to settle today and I got pissed. He said explain to the judge. Is this legit? I think not and got really Pissed he hung up on me. Lol
Old 10-12-2020, 05:58 PM
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My guess is it was sold to a collection agency and that's who you're dealing with now. The only thing they can do is get a successful judgment in court if they want to and then garnish your wages. Takes a long time, and depending on how much it is it's often not worth their while.

Or it could be a complete scam.

B of A would have wrote off a loss long before 16 years so it was likely sold to collections....long ago. Why it would come up now....16 yrs later? I've heard of things cropping up a few years later.....not 16. Collection agencies masquerade as law firms all the time..... A real lawyer wouldn't be using high pressure tactics on you.... They would be just doing their job.







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Last edited by mbb; 10-12-2020 at 06:06 PM.
Old 10-12-2020, 06:02 PM
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Statute of limitations?
Old 10-12-2020, 06:03 PM
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Offer them a dime for every dollar, you never know, they may take it and you are done. If they don't tell them to see you in court, not sure but think it has to be in your state, once again it cost them money.
Old 10-12-2020, 06:05 PM
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If service is attempted, don’t answer the door, or receive any papers.
Old 10-12-2020, 06:06 PM
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Pulled that stuff on my wife, itís a scam
tell them to serve you and youíll have your lawyer standing by. I asked them when theyíd be coming by so I could be sure to be there, oh we canít disclose that blah blah....hers was Wachovia from 2012 or something. Our case was a total scam money grab from some BS fourth party collector.
Old 10-12-2020, 06:07 PM
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Originally Posted by mbb View Post
My guess is it was sold to a collection agency and that's who you're dealing with now. The only thing they can do is get a successful judgment in court if they want to and then garnish your wages. Takes a long time, and depending on how much it is it's often not worth their while.

Or it could be a complete scam.

B of A would have wrote off a loss long before 16 years so it was likely sold to collections....long ago. Why it would come up now....16 yrs later? I've heard of things cropping up a few years later.....not 16.

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In most states a debt like that would be dead issue after seven years...
Old 10-12-2020, 06:10 PM
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scam... they occasionally hit on a person like you that has something similar in the past. They do not know that. They just fishing out there. Ignore them.
Old 10-12-2020, 06:10 PM
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Statute of Limitations has run. If you get served, thatís your defense and it will win. My guess is that there is no lawsuit and they are trying to frighten you into signing an easy payment plan. That will acknowledge the debt and you will lose your S of L defense. Pay one dime of the debt and it will be revived.

tell them to f...... (pound sand).
Old 10-12-2020, 06:11 PM
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Look up the statute of limitations for breech of contract in the state where contract was executed. It’s probably 4 or 5 years
Old 10-12-2020, 06:13 PM
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Bahahahah Iím still waiting on my served papers. They must of caught wind on the new truck I bought last week. Lol. Iíve been waiting for this guy to serve those papers since 5. Told them Iíd be here.
Old 10-12-2020, 06:24 PM
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Had a call 7 years ago to pay the balance that day and said yeah man hang on let me get it for you then hung up. The credit repair company I used said it was illegal to sell your info to anyone without your permission

maybe they thought I was a target. Also said they sent letter in the mail. Never saw shit. Iíll fuk with them if they keep at it. I told that POS to **** off so bad he hung up. Last words tell that to the judge
Old 10-12-2020, 06:25 PM
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OP.....Whatever you do, DO NOT talk with these folks. The advise about offering to pay a tenth of the amount can very often re-trigger the entire debt being owed.

Also, as mentioned, 7 years is normally the statue of limitations, sometimes 10, but I've never heard more than 10. Your almost 16 - 17 years out.

TOTAL SCAM!!!!!
Old 10-12-2020, 06:25 PM
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B of A needs coin. Their stock is in the shitter. What I said to him.
Old 10-12-2020, 06:52 PM
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Never give your name over the phone. If someone calls you and asks is this so and so you ask who is calling, if they won't reply you hang up. If they tell you it's such an such bill collectors you hang up. The minute you admit who you are they have you. What you have to know is you don't legally owe these people anything. The debtor you owed money to has sold that debt. And if they can't tie you to the debt they can't legally collect.
Old 10-12-2020, 06:53 PM
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Originally Posted by spraynet 1 View Post
OP.....Whatever you do, DO NOT talk with these folks. The advise about offering to pay a tenth of the amount can very often re-trigger the entire debt being owed.

Also, as mentioned, 7 years is normally the statue of limitations, sometimes 10, but I've never heard more than 10. Your almost 16 - 17 years out.

TOTAL SCAM!!!!!
THIS is the best advice Iíve seen. In some states, Florida included, if you ratify the debt (admit to it) it starts the statute of limitations again. The only better advice would be to not talk to this type of caller at all. Get their number then call your lawyer and give it to your lawyer.
Old 10-12-2020, 06:55 PM
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Originally Posted by tbaxl View Post
Offer them a dime for every dollar, you never know, they may take it and you are done. If they don't tell them to see you in court, not sure but think it has to be in your state, once again it cost them money.

this is horrible horrible advice

as stated above often if you offer them anything you can open things right back up and start a fresh 7 years and they are never going to just accept 10 cents on the dollar after you have opened yourself up to that they are going to tack on a million fees and cost and try and get a great deal more than you ever owed

the best advice was already given simply hang up saying nothing and block the number if possible and move on with life

also to the OP have you tried to google the number given?......even if it comes up for some "law firm" there will probably also be a number of other comments about from others saying what their experiences were calling the number including some that were dumb enough to offer 10 cents on the dollar or otherwise engage further
Old 10-12-2020, 06:56 PM
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Originally Posted by DEBTICATED View Post
B of A needs coin. Their stock is in the shitter. What I said to him.
I'm still shocked that somebody gave you a credit card at 18. When I was 18 my drug dealer wouldnt even front me a bag of weed till payday.
Old 10-12-2020, 06:56 PM
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Originally Posted by DEBTICATED View Post
So, long story short. Had a call today about a lawsuit to sign for papers And when Iíd be home to sign today. Asked about the reason. Wouldnít tell me. They gave me a number and case number. I call the number and itís a law firm. Said Iím being sued for a CC balance from B of A from 2004. Yeah I Fd up that card I was 18 at the time. My credit was repaired by a company 7 years ago. They were trying to serve me papers but havenít seen anyone yet.


Iíve been waiting for this guy to bring the papers like the amazon delivery guy. This lawyer clown was saying shit and wanted me to settle today and I got pissed. He said explain to the judge. Is this legit? I think not and got really Pissed he hung up on me. Lol
Username checks out!
Old 10-12-2020, 06:58 PM
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Originally Posted by DEBTICATED View Post
B of A needs coin. Their stock is in the shitter. What I said to him.

BoA collected whatever they were going to get on your account over a decade ago when they sold it off for 15% to 25% of what was owed or maybe even less

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