Q: How can a law firm say you breached a contract you never received or signed?
I supposedly have a judgement against me over $100 even though I've never seen it. The law firm called my job and talked bad about me. Then I agreed to pay $125 I kept paying it, but did not sign a contract stating I would. Last month I only paid $50 because again I didnt sign anything. My job owes me $3000. I have a wife and 3 kids I have to take care of. My wife cannot work because our son has medical problems and can't go to daycare. Anyway I have gotten 2 emails in the past couple of days stating if i do not pay $178 by tomorrow then I am in breach of a contract I never signed. I literally have $100 until Friday what am I supposed to do they told me to figure it out and are being rude.
A:
You are entitled to protections under the Fair Debt Collections Practices Act - including obtaining in writing the full basis for any claimed debt or debt validation. But you must write them to request.
https://www.nolo.com/legal-updates/significant-changes-to-the-fdcpa-in-late-2021.html#:~:text=Starting%20November%2030%2C%202021%2C%20debt%20collectors%20face%20new,following%29%20protects%20consumers%20from%20abusive%20debt%20collectors.%20
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