I received a letter from a law firm, saying that I owe a company $9000. Some background: I used this company to install granite countertop when I remodel kitchen 3 years ago. I forget the total amount, but should be less than $9000. The payment plan was 50% due on contract, 25% due on countertop finish, and 25% due on installation. We paid the first 2 payments. When they installed, I found the edge is different from what I ordered. I immediately stopped them and called the salesperson. I wanted them to do it again. The salesperson offered that they installed the wrong one and I don’t pay the last payment. I agreed on the phone. After that, the general manager of that company called to collect money. He was very rude. I said either they do the right way and I pay the whole amount, or I will not pay any more. He threat to sue me, but I did not get any legal action until now, 3 years after.
I called their lawyer, and he is rude too! He provide a much different number ($12xx) and even did not want to explain why the 2 numbers are widely different. I explained everything. They said they will precede lawsuit.
Thanks for DjPiLL’s post about a similar issue. I learned a lot, but I still have some questions.
1. The letter I received is from a lawyer, not from a debt collection agency. Is that same?
2. I guess this contractor has 3 total options to get money: (1) collection agency (2) lawsuit; (3) mechanics lien. Right?
3. If so, my most concern is how these 3 options damage my credit. Where do they appear on my credit report? I have lots of AOR money and can’t afford any reverse action.
4. a dumb question: a certified mail cost $2.7 and return receipt requested cost another $2.2. If we back and forth 10 mails, it will cost some money. Do I really need these 2 services to send letter? The letter I received from the lawyer was just a regular mail.
Thanks!
Edit by Moderator: Thank you for participating in the forums. However, this topic has been covered in a recent post Here.
