Taking this consumer to court costs more than the initial debt HSBC claimed was unpaid. It was ridiculous. In many cases the creditor could not care less about the consumer and their situation.
Los Angeles, CA (Vocus) September 22, 2010
Los Angeles, CA Vocus) September 22, 2010 -- Consumers are fighting their rising debt, but the bad creditors are victimizing consumers further.
Diane Stellaccio engaged with the Bouhoutsos Law Firm in an attempt to resolve her debt problems. Diane had over $21,000 in debt, due to ill health she was unable to work for long periods of time. The Bouhoutsos Law Firm is supported by the automated legal software services of Morgan Drexen, Inc.
Diane used her credit cards for everyday items, not luxuries, or exotic vacations. Like so many consumers who sign up with this debt resolution network of attorneys Diane wanted to pay off her debt and find financial freedom.
After paying her debt fully to HSBC Card Services, Diane received a summons and complaint from the creditor. HSBC and its attorneys, Hayt, Hayt & Landau refused to withdraw the complaint claiming that HSBC did not receive all the outstanding debt. Through the automated legal software that Morgan Drexen provide to many attorneys throughout the nation; it was determined that the payment had been sent and accepted by an HSBC representative.
Garrett Elias an attorney based in New Jersey represented Diane and successfully persuaded the court to dismiss the frivolous complaint. He is concerned that consumers who don’t have access to an attorney may fall pray to this bad creditor behavior.
Garrett says, “Taking this consumer to court costs more than the initial debt HSBC claimed was unpaid. It was ridiculous. In many cases the creditor could not care less about the consumer and their situation. These types of lawsuits are computer generated.” Garrett agrees that if the automated system had not been provided by Morgan Drexen, “There would have been no way to trace these payments.”
Despite the court issuing in favor of Diane, Hayt, Hayt and Landau who we representing the creditor still claimed in a recent correspondence, “We certainly do not want to pursue any account that has been paid, however our records indicate otherwise.”
Unfortunately Diane is not alone in fighting these bad creditors. Brenda Cauley engaged Tami Munsch an attorney based in Mississippi. Her client burdened with over $15,000 in debt and was desperate to find financial freedom. This time the offending creditor was Bank of America.
Thanks to the efficiency of the legal software from Morgan Drexen and the fact that the client had instant access to an attorney; this case was dismissed even before making it to the courtroom. America knows that not paying your debt can be damaging. Now it seems that using an attorney based debt resolution program is more important than ever, as creditors become greedy.
Consumers in debt are already victims of financial hardship, but it seems creditors are now out to victimize them, further.
Desmond Adams works with the attorney network supported by Morgan Drexen he says, “Some creditors continue to hound clients looking for additional monies, even when proof has been presented to them that an account has been satisfied. I see this being a common practice from some creditors.”
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