Law Offices use the same scam as the Collections Racket. They will buy up these unsecured credit card accounts (for pennies on the dollar) in Chicago and fraudulently claim to be collecting for the "original creditor". Our particular case is an unsecured Credit Card originally started with "Capital One Bank".
They claim to be "representing" the original creditor, which is legal if actually hired by Capital One, but in the "Fair Debt Collections Act" it clearly states that an Attorney can not represent the Creditors AND also be a "Collection Agency" for the same debt.By Law the Act also states that if they are a Collection Agency, they must state somewhere on their correspondence to you that they are, which "catch 22" they admit they are committing fraud.
Ex:
Important Written Notice (s) to Consumer (s) Required by 15 U.S.C.~1692 (e) (11)
This Communication is From A "Debt Collector", As Defined in 15 U.S.C. ~1692 (a) (6), Attempting to Collect A Debt Any Information Obtained Will Be Used For That Purpose.
To add to the fraud, they can file a Case in the "Circuit Court" in your County and State without you knowing. We got a notice from this attorney's office after the fact. We had to call the court to see if there was a legal case filed against us, and they send NO notice of appearance, because there never is a court date set for any hearing on the matter. The only response from the Consumer is to file an "Answer" against the claim which costs around $100.
If this same Law Firm picks up any other accounts on the open market on you, they file multiple cases in court, using different attorney partners in the same law office to make it look as if there is another attorney contacting you from a different address (PO Box) most likely.
Watch OUT for these "bottom feeders".
Advice, look up the Statute #on the filed case above and read the laws that govern these cases, and read the "Fair Debt Collections Act" online at:
Http://www.ftc. Gov/os/statutes/fdcpajump. Shtm
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