My account with Circuit City was sold to NCA Financial in 2005. I had become perminatly disabled, in and was no longer able to work. I was unable to continue making my payments and had a few conversations, with Circuit City, to try to resolve this matter. After a few months, I no longer heard from them or received any bills. On my credit report it was listed as "whereabouts unknown". This was crazy as I lived at the same address for 18 years and put in a change of address, when I moved.
In June of I moved to Washburn, WI, from California, after my domestic partner passed away, so I could be near my family, as I need help with many tasks. As soon as I had my phone turned on, I started receiving calls from NCA re: the account they had purchased. I explained my situation and they just threatened me with taking me to court. I continued to receive many calls, each week, even up to the Saturday before I was due to go to court.
They do not have a license to operate in Wisconsin, so they hired a lawyer, from Milwauke, to represent them.in court, I was supposed to say I was responsible for the debt but I would not be able to present my side of this, in court, so I questioned the legality of them collecting this debt and the judge set up another court date. At the second court hearing, they hired a lawyer from Washburn to appear. I was able to present my case, and have it documented that I didn't pay the debt due to circumstances beyond my control. They got their judgement, I filled out the financial papers and sent them off to the lawyer, in Milwauke, as directed.
I figured it was over as, according to Wisconsin statutes, they couldn't take my money out of my bank account as it is from Social Security, I was below the poverty guidelines and have no assets.
About 1 month ago, it started again. They sent letters, just like they had never been to court, about this matter and they keep calling. When will it ever stop? Can they keep harassing me for the rest of my life? If I had the money, I would have paid the original bill. My situation is not going to change. I am 64 and disabled so I don't plan on going to work, again, at this stage of my life. I wish there was a way to make them stop harassing me.
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