Q: I've been contacted by a law firm to collect a debt i was unaware of until another debt collector threatened to sue me??

A: You could call the law firms for both debt collections, and ask them who the original creditor and the original account number was for each. You could also send them a letter asking the same questions. Keep in mind that when you talk to them on the phone, they will be recording the phone call. You don't want to come out and admit that the debt is valid, or that the amount you say you owe is correct. Debt collectors with fewer scruples will turn around and try to use that against you in court. So basically, just say that you are only looking for information. Then you can see if they will give you the information you seek. They should, but if they play dumb they might not.

If that doesn't work, contact an experienced bankruptcy lawyer in your area for a consult. They can help you get the information. Most, like myself, offer free initial consults.

A: You may have the makings of a potential Fair Debt Collection Practices Act lawsuit here. I suggest you contact a FDCPA lawyer and provide your letters and the responses you refer to. Review of these documents is necessary to provide you with meaningful legal advice. The very first collection communication must contain specific language and comply with the FDCPA. You mentioned the first letter you received was a threat to sue. That doesn't sound right. (Often my clients received prior collection letters they were unaware of, either because they moved, or simply discarded prior letters). In any event, how should you go about handling this? Again, I urge you to consult with a lawyer who can quickly assess your legal rights based on review of these documents.