Q: Can a debt collector or original creditor still try to sue you if the loan was already cancelled as a part of a lawsuit?
I was contacted by a company on Monday 10/18/2021 called "Assurance Legal Proceedings" via phone stating that they are filing a claim against me in my county for attempt to defraud a loan company. They also said that they have contracted a location service to find me and serve me with papers and once that happens it would be public record and I would have trouble getting approved for loans, housing, etc. after the claim was filed in court. They also called my sister before calling me about the same matter. I was confused because I did not receive anything in the mail from them regarding this information and the debt they are referencing was settled and cancelled in a class action lawsuit against the original creditor earlier this year. I asked if they could send me a debt validation letter to confirm that this was real, they said no I can only pay now or go to court. I can not verify this company online but I also want to protect my self in court if I have to. Am I being scammed?
A: Yes. You are being scammed.
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