In Oregon, can a law office debt collector take my car?
I don’t practice in Oregon. Speaking generally, a car with a prior lien or titled with the lender is not the subject of an attachment and a bond would have to be posted and agencies are hesitant to post bonds. You will need to consult with a consumer protection lawyer locally. 1. Start keeping a detailed log of all calls and letters and a paper file of all information. Because persistent violations of the FDPCA are punishable by statutory fines and attorney’s fees under federal law, but you need hard evidence. 2. Make a written demand that all further communications from creditors is in writing under 15 USC 1692 (c). The letter should also contain a dispute of the validity of the charges and include a demand for a complete accounting with signatures, and all contents of their file. The creditor then has 30 days to reply and they may not take any action until you have been sent the validation. Bear in mind that this may be motivation for the collector to work your account when the file
