My husband lost his job last year and has yet to find another. Needless to say we have gotten behind in our bills. I am the primary caregiver of my elderly mother who has had a stroke, so I cannot work. I have a debt from GE money bank for $1000. They referred the account to Arrow Financial. I sent a letter Arrow stating what had happened and that I would make small monthly payment of what I could until my husband found a job and then at that time I would contact them to make larger payments. I have made two monthly payments to them. They still turned the account over to an attorney. I did not know that until I was served a summons to appear in court. I received the summons April 18th. I had not received any correspondence from this attorney before this date. April 21st I received a letter dated April 11th stating that they had taken over this account. I contacted them regarding this and tried to ask about having thirty days to respond to this. They would not let me ask anything. They would only insist that I would be receiving something this Friday that says the "court" is requiring me to make at least $40.00 a month payments beginning May 5th. They were extremely rude and kept talking over me. When I tried to ask again why I wasn't informed they had this account before a lawsuit was filed she hung up on me. I went through this with three people! I attempted to fax them a letter. The first page would go through and then it would disconnect. When I called the fax number back it would be busy for along time. I attempted four more times with the same thing happened. Can they legally do this? Don't I get thirty days to dispute before a lawsuit is filed?
