I don't know what to do. About a week ago I was contacted by Davis Law Associates claiming to represent Bank Of America in an attempt to collect a debt in the amount of 4,800 dollars. Well I didn't think anything about at the time, because I do have an old outstanding debt with Bank Of America, only the debt was for less then half of what they were claiming I owed. I told the guy I was speaking with that I would get back with him in a couple of days, because I needed to figure out what I was gong to do.
I started researching Texas laws regarding debt collection, lawsuits, and judgments, because I simply did not have the money, or the resources to acquire the money. After reading my rights under the FDCPA, I decided contact them back and ask some questions. Well, they went from nice to very rude when I started questioning the difference between the original debt, and the amount they claim I owe. They me that they were under no obligation to give me any information about the debt, other then the amount owed, that their only obligation was to take payment, or start legal proceedings.
Then when I asked them for their address so could exercise my right in writing, to request debt validation, they got down right belligerent. They told me I don't know where i got my legal information from, but I had been miss informed. They told me I forfeited my rights when the debt went delinquent. They even had the nerve to tell me that I am not supposed to show up for the hearing unless I have an attorney (knowing full well that if I don't have the money to pay this debt, I don't have the money for an attorney either. They also tole me that I would not be allowed to say anything in my defense if I did show up.
When I told them they were in violation of the FDCPA, they told me I need to get an attorney and they hung up on me. After everything I've read about them, I now have my suspicions as to whether or not Bank Of America has anything to do with this. They have not even contacted me in writing, I am not even sure they have my correct address. I don't even know how to proceed with this situation. I need help.
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