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I’m Working With a Debt Consolidation Company But Have Two Attorneys Trying to Collect The Same Debt. – Luisa

“Dear Steve,

I am working with a debt consolidation company who have made settlement arrangements for all my cards. Unfortunately, I had a court case filed against me by Collections Attorney A (don’t want to mention Attorney’s name) for my last card. I was able to make a settlement agreement (with signed documents as proof) on that card and assumed that Attorney A would file an update on the settlement with the court. Next thing I know, Collections Attorney B sends me a letter for the same card asking me to pay the debt in full in 30 days, which I can’t do.

Is it legitimate for a card company to hire two different collection attorneys/agents at the same time? How can they both be coming after me at the same time?


Dear Luisa,

It sounds to me like we have a special and technical situation that those of us debt professionals call a SNAFU. SNAFU is actually an acronym for Situation Normal All F**ked Up.

It seems to me that if you presented your written agreement from Attorney A to Attorney B, that should go a long way to take care of the situation.

One possible explanation is that the original creditor had placed the account with Attorney A and around the same time you reached an agreement with Attorney A, the original creditor pulled the account back and sent it to a different collection attorney.

The attorney is not going to file a settlement agreement with the court.

Just to be sure this is what happened I’d suggest you call the original creditor and confirm the situation with them. Most importantly what I need for you to verify with them is that the written agreement you have with Attorney A is recorded with the creditor and they have accepted that repayment arrangement.

Please post your responses and follow-up messages to me on this in the comments section below.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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