Can a original creditor for example (chase/jp morgan) after they received a certified mail from me that they keep contacting in writing only and not to call, send a third party knock on your door and handing you a form that i better contact this person today because i owe money when i missed only 2 payments? What are my legal rights?


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Mar 05, 2010
original creditor collection complaint
by: Gerri

Thanks for submitting your debt collection question on our Q&A page.

I am afraid I don't fully understand your question, however. Are you sure you are dealing with the original creditor (Chase) and not with a third party collection agency? It would be highly unusual for a credit card company to send someone to your door if you are only two months behind on your payments. In fact, I've never heard of that before. The only thing I can think of is that they are suing you and a person came to your door to serve you with a summons to appear in court. Is that what happened?

If you are dealing with Chase, are you on some kind of workout/payment plan with them? Was Chase doing something that caused you to send them a letter telling them not to contact you?

Some more information will help me give you some insight on your options.

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