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roberto84 · Oct 17, 2011, 08:31 AM

Just received a summons from a collection agency. Late 2005 I broke a contract with t Mobile. On my summons the agency states from May of 2007 I owed around $600. After interest I now owe $1400. If its worth anything I was incarcerated in March of 2007 and had no idea of the debt over the month they have stated. Couple years later I acknowledged the debt over the phone but did not pay because I refused to give my credit card information over the phone. Later I had another phone conversation simply telling them I was not worried about this debt because I had bigger things to worry about. I have until next Monday to appear in court. I'm thinking about calling the collection agency and try to make a lump sum payment. Before I do I wanted to see if anyone can offer some advice. Anything helps... thanks

ballengerb1 · Oct 17, 2011, 09:07 AM

Do not call them and offer anything at this point. What date was your last acknowledgement of the debt? What state are you in?

roberto84 · Oct 17, 2011, 09:10 AM

Colorado.. im not sure. Probably middle of 2010

ballengerb1 · Oct 17, 2011, 09:20 AM

OK no chance of the statute of limitations running out. Have you demnanded that they show proof of the debt, start there.

roberto84 · Oct 17, 2011, 09:30 AM

No I haven't. Would that be considered debt validation? Are they required to? And if so, would I call and ask them over the phone or by mail? Because my court date is next Monday and mail would not be an option. If ovens up going to court then of course its something I would ask at that time. I'm hoping my incarceration would help my case in court to at least reduce some of the interest aqquired during that time. Does that seem feasible? The downside I see in going to court is ill be representing myself and the addition of court fees and the plaintiffs attorney fees.

roberto84 · Oct 17, 2011, 09:36 AM

Also, I received a letter in the mail maybe 6 months prior stating that I could request debt validation. I didn't respond and by not responding the letter states that it assumes my acknowledgment

ballengerb1 · Oct 17, 2011, 10:00 AM

At this point your only option is to show up in court and tell the judge your situation. Sorry about nothing better to try.

roberto84 · Oct 17, 2011, 10:16 AM

Thanks for your help anyway