Problems with Threat "A"
  • No mini-miranda warning.
  • No opportunity to validate the debt (although this can follow in five days, it didn't here).
  • Forward a "pending claim?" What does that mean, excatly? Does it mean sue? Are the attorney's licensed to sue in PA? If the claim is pending, does that mean litigation is pending? If it is, does that mean that the ltigation was commenced already? Would someone be confused by this?
  • Is there such a court as the Bucks County Municipal Court? Actually, there is not. What then, does this attorney's office mean by this? Is this statement intended to create confusion?
  • "If you choose to make a statement of deferment rather than a statement of neglect...." This sounds like the debtor is obliged to enter a plea in a criminal case.

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