Q: I work for an online lender sending email templates preapproved by our corporate legal dept. Can I personally be sued?
The email tells the pre-charge off customers the company is considering obtaining counsel for creditors' rights and asks the customer to contact us to make mutually acceptable arrangements. I do not alter the form email in any way. It has my name as the sender. A customer who has been in collections for 3 months says he's going to personally sue me for harassment. I've never placed an outgoing call at this company, my job is strictly online communications. I've forwarded the message to our corporate compliance dept and they told me there's nothing to be worried about but I'm still stressed because of his threats.
A: Unfortunately the legal collections climate allows consumers to make counterclaim and file law suits against any collector. Now, the law suit and/or counterclaim may be bogus but there is very little detriment for someone filing a frivolous lawsuit to try and get out of debt. So yes you could be sued but the likelihood is low.
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