trying to help someone who is old, disabled and on a fixed income and not good health. they received a collection letter out of the blue on an old debt from what may be a law firm on behalf of the current debt owner, not the original creditor of the credit card debt. original creditor already had a default judgment but never acted on it and sold the debt to current owner and I have no idea when that was. I don't know if the law firm is now the owner or if they just represent the owner. does a default judgment automatically go over to the new owner? would they have to sue again or just try and collect from a bank levy? should I write a debt verification letter for this person? if so, should they sign the letter as best they can?
I'm not sure how to do this stuff. This person previously did not have significant income for years and then when the pandemic happened they received lump sum unemployment benefits and started getting social security and a small pension all around the same time.. I read that these funds are "exempt" but that the bank will only look back 2 months and protect that amount and then the person would have to go to court to prove anything else.
The person is homebound and recovering from a serious health issue. There is no way they could ever go to court. I was wondering what the likelihood is that the debt buyer's law firm will pursue this? If I write a debt verification letter should I also include that the person is elderly & disabled and lives on a fixed income that is from government funds, that are exempt funds? will that matter to them or will they pursue anyways? I also don't know what to ask for in the debt verification letter outside of name and address of original creditor, and documentation what the debt is and who owns the debt. I need to get this letter in the mail by tomorrow.