Tuesday, August 9, 2011

Violation of FDCPA? Do I have legal recourse?

I recently turned in a vehicle that was leased and owe on a deficiency balance that I am unable to pay; approx $8,000.00. The financing company (World Omni) was told at time of turn in that I was unable to pay. I am getting phone calls from a company called CRS & ociates out of Dallax TX. I cannot find any information about this company. They claim that they are arbitrators for World Omni & they will be "getting a judgment" against me on November 1, 2010 for over $16,000.00. I requested information from the law firm handling the case and was told that everything was mailed to me. I inquired about the address it was mailed to since I received no notification. They claim to have mailed it to an address I was in over 7 years ago, and which was not even on file with World Omni. I requested the doentation be sent to me at my current address. I requested the name of the law firm handling my case. I was told that the law firm would not speak with me, only with my lawyer. I stated that I believe I had the right to the information, and the "arbitrator" from CRS stated that on a judgment of this nature, the consumer was not allowed to speak with the lawyers handling the case. That I should not be involved at all in my case, and if I wanted any information I would have to hire a lawyer. I thought everyone had the right to represent themselves in court, or is this just in criminal defense? And if not, isn't this a violation of the FDCPA? What can I do here to protect myself from a company that I think is "grandstanding" and misrepresenting themselves?

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