Quick question: Is first premier bank platinum Discover Card good? Many thanks for any response. Another question I got... I feel like such an idiot. I wish I'd discovered this site earlier..

I have a few questions, I need assistance with..

1. I recently was coerced to pay on an old account I believe was past the SOL in my state (CA). The JDB Collector would not send me any documentation and stated that it hadn't expired. He then threatened to file a judgement against me, and when I sent them DV letters via Certified Mail, he contacted me and told me that if I didn't pay his company would proceed with legal action. Well, I basically told him that I had rights per the research I did, and he told me that the debt had been verified, it wasn't past the SOL, and I would soon be served if I didn't agree to pay. I said, "Ok, serve me at my home and we'll see each other in court." He responded with, "You are going to get served at your place of employment." I thought he was bluffing and said, "Fine.".

Well, sure enough, 5 minutes later he contacts the head of my department and is later transfered to my boss. My boss then comes to me and says, "Hey, I just want to give you a heads up. I got a call from a man who wanted to find out about our policies/procedures in regards to serving one of our employees, you." I was so embarrased and told him I was being sued for a debt that's not mine. Anyways, I freaked out because I work for the government in a political environment and my image is everything. Therefore, I told him that I'd contact the individual to find out what the matter was about. He then showed me a fax the JDB Collector had sent him where he was requesting my personal information from payroll.



Long story short, I freaked out, went outside and settled with the the JDB Collector via telephone (I know, huge mistake). So now I have one more payment to make so they can "supposedly" stop their legal action and close out the account..

1. Did I totally screw up by cracking and making that first payment? I have never acknowledged this debt to be mine but when they contacted my employer, I just decided to settle it to avoid further embarrassment (being served at work in front of all of my coworkers). It's also not on my credit report so I didn't want my improving scores to be dinged..

2. Can I sue to this company for their practices? How many laws did they violate if any? Note: Again, I'm in the State of California..

3. What should I do next? Am I out $3000 and totally out luck?.

I wish I'd found this forum earlier, but I don't think that would've prevented this company from contacting my employer, which by the way is one of the most embarrassing things I've ever had to experience. This sucks..

This post has been edited by.

Fixitrebel.

: 17 March 2009 - 01:38 PM..