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    Mattjohnson27's Avatar
    Mattjohnson27 Posts: 1, Reputation: 1
    New Member

    Jun 18, 2005, 03:29 PM
    Am I legally obligated to work with a debt collector ?
    I received a letter in the mail today from a debt collector in regards to a medical Bill.

    I had called the original creditor in November of 2004 explianing that because of overwheling medical debts I was unable to make payments at this time. I then sent another letter in March of 2005 stating that I was in the same situation. But had no forgotten about the balance and would start making payments as soon as possible.

    My question is, am I legally obligated to work with the Debt Collector, If I call the orignal creditor and make payment plans, can they refuse that. The letter I received states that the account was placed in there hands, not that they bought the debt.

    Also, when the balance was incurred I was living in Missouri, I know live in Pennsylvania, the debt collection company is based in Texas. So who's laws do they have to follow ? MO, PA or TX ?

    mr.yet's Avatar
    mr.yet Posts: 1,725, Reputation: 176
    Ultra Member

    Aug 28, 2005, 07:07 AM
    They have to follow PA law. Ask them to verify the debt, by providing the orignial sign contract. Ask if they have purchased the debt.

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