justincredible wrote:
ts1227 wrote:
You'd think they would call and be like "hey asshole, pay your bill" before sending a letter from an attorney.
Yeah, I would've thought the same thing.
My educated guess would be the letter says this very thing--- in a much more politically correct manner, of course. It's the collector's way of showing they made that good faith effort to contact you before filing suit. My guess is the letter will say if you do not call by a certain date they will proceed accordingly.
Going back to what Manhatten Buckeye alluded to earlier, an attorney can Perfect Service of a Complaint by various manners in Ohio. In the event you never claim this mail, or any piece of mail that is a Summons by certified mail, the plaintiff can Perfect Service by Publication. How this work is the the plaintiff files suit against you through Certified Mail. If you do not answer after a period of time the plaintiff could file an affidavit with the court advising they have exhausted all remedies to contact you. The Court will then extend a period of time for you to respond. The plaintiff then files notice of the Complaint in your local newspaper for a month. If you fail to respond to the plaintiff in time a Default Judgment could be awarded against you. This means a judgment has been rendered against you without the opportunity to defend it. If it is something you have liability insurance coverage (ie. car accident, dogbite, slip and fall, professional liability etc.) you could be in violation of your contract and have no coverage.
It does not hurt anything to accept the letter. It has already been sent. Like others have stated maybe it is not quite what you think.
If it is a "One last chance to pay your bill" letter you should just pay your bill or contact them to arrange payments.