Original quote by:
jlynn
Quote:
|
4. To see if you have bailed on every creditor known to man so they can decide if you are worth the man hours to pursue.
|
.
This is interesting. If the lawyer for the ca sees that other ca's have done a hard pull and there are 0 public records, i.e, no judgments, then the current ca may think that the Bad Debt is not worth chasing after.
Quote:
|
I seem to remember an FDCPA Opinion letter that says Litigation (assuming this is the lawyer that sued you) is NOT a permissible purpose. Be advised, FDCPA Opinion Letters are merely interesting reading they carry no weight in 99.9% of the courts. However, it is something worth researching to see if someone ever won or lost that battle.
|
I understand that Opinion Letters are commonly ignored but a Defendant could Counterclaim that the ca's lawyer violated the FDCPA by asking for a hard pull for the purpose of litigation and then use the Opinion Letter as a reference. Case law would be better.