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12-09-2007, 08:08 AM

Not to gloat - but I'm so glad I questioned the collection letter they sent on cc debt past the SOL.

It said a judgment was already awarded against me, but they were willing to give me a break - if I pay 60% of the debt in two payments they would clear my record. They even said "the lien would be removed". I'm no lawyer, but to me a lien is a hold against something of high value, like a house or car - how could they be awarded a lien on cc debt?

Anyway....I did my homework & there is no judgment and now First National will soon be cutting me a check for violating the fdcpa.

I have an attorney that is getting ready to file a lawsuit....and if First National was stupid enough to use this scare tactict on others it will be a class action suit.

Chalk one up for the little guy!

volleyballmom · 12-09-2007, 08:22 AM

Nice job munchkin! Way to question the verbiage on the letter!

unclewulf · 12-09-2007, 10:41 AM

Way to go Munchkin!

Law Student · 12-09-2007, 10:19 PM

Another success story! A company being sued for it's own stupidity.

Ang · 12-10-2007, 05:09 AM

Please keep us informed how this goes! I can't believe they are stupid enough to put all of that in writing!! Good for u though!

Score one for the good people,
Ang

12-28-2007, 12:22 PM

When First National Collections called, they wanted to leave a number. Since the party in question was not available and had filed for bankruptcy, I tried to give them the attorney's phone number, but they hung up on me. Guess they didn't want to save themselves some time, and the expense of phone calls!

06-24-2008, 06:56 PM

I just got a letter from these individuals trying to get me for more than $50k. In the letter they say I owe money to Chase Bony. I never made business with them and even worse they say that I have to send them a letter in 30 days to let them know I do not owe any money...
This is a big scam and somebody has to stop this if you know of any Class Action please let me know so I can put my name on it.

06-24-2008, 06:59 PM

Does anybody know any class action against these individuals?? I want to put my name on it... They just sent me a letter saying that I owe more than $50K to Chase (something is not true) Does anybody know the name of the Attorney I have to contact?

10-29-2008, 08:20 AM

I recently received a letter in the mail stating the same thing. the letter letter is titled Credigy Receivables. It states there is already a judgement against me confirming my liability. I am concerned at how they got info from my bank and what I can do about it. I will be letting my bank know today.

11-06-2008, 04:54 PM

when you create a debt that you cant remember but your ssn is attached n its a judgement maybe you should check with your credit report for public records,check with laws in your state regaurding length of times that a judgement can stay in affect,also you cant get a judgment fraudulantly there are many steps that take place

02-25-2009, 01:21 PM

They have sent me notices from a past due bill that HAS been paid off 4 yrs. ago. I have proof from a credit report from Trans Union stating debt paid in full, yet they want money. Who are these guys? Where do they get off on sending me a bill that has been paid off.They have hassled my parents via phone calls and letters as well. How can I sue these guys or get them off back help !

03-14-2009, 08:00 AM

I've now received two collection letters for my ex-husband. (We've been divorced almost 10 years, so I know my name wasn't on any credit applications he made.) I send these idiots a letter after the first notice and am getting ready to send another. This time I'm threatening legal action for harassment. Anyone know a lawyer who would take this pro bono? Like many of us, I'm pretty broke.

03-14-2009, 08:16 AM

EdCombs (Chicago) has helped me on several occassions. They are a consumer rights attorney. I don't know if they practice outside of IL, but maybe you could contact them to see if they could recommend someone in your area.

They won 2 cases on CL FDCPA violations & gave me advise on another. First case was Class Action, 2nd was the one I described in my original post here & I won $2,500. I have no idea what EdCombs got, but who cares. I never had to go to their office. I've never even met them. All I did was contact them because I was questioning a CL - they asked me to send letter over. If they think it's worth their time they take your case & do everything for you. I never even had to go to court - both cases were settles out of court.

I could be wrong on this, but if you want to hire an attorney I suggest looking for a big firm that specialized in consumer rights - not just some guy out of your local phone book because that guy (I think) you will wind up having to pay retainer fee just to take your case.

I think when you go with a bigger firm that specialized in consumer rights they can tell by looking at your documents if they are going to win - this way they can be selective about who they help. If they think you have a good case that will undoubtely put money in their pocket as well - they take it. If it doesn't look worth their time they pass. The little guy in the phone book will probably take any case that comes his way & if you loose you will still have to pay him. Just my thoughts, but I could be wrong.

03-14-2009, 10:03 AM

Thanks munchkin! I'll keep that in mind if I need it. I have a pretty solid case. I've never heard of the credit grantor, my name isn't on the collections letter, I have absolutely zero outstanding debt (pay cash whenever you can!) and a combined 750 credit score.

03-14-2009, 09:32 PM

I received a letter from First National Collection Bureau, Inc. today (3/9/09) stating that a delinquent account has been assigned to them by Security Services, LLP with the original creditor being General Electric Capital. As in a previous complaint in 2007, they offered a 60% discount payable in 2 payments of $57.53, with each payment due within 30 days of the pervious (they misspelled previous) payment. You would think they would check the Internet and see all these complaints - I've never heard of the company they are saying I owe $191.78 to. I'm going to return the letter and suggest they google their company with "scam" at the end of their "company" name.

03-27-2009, 10:54 AM

I received a collection letter from First National Collection Bureaua also. I guess they bought a debt from the original collector, RJM Acquisitions. This debt is from a closed bank account from a bank that was bought out and no longer in business. My credit report states this debt is owed to RJM, not First National Collection. Who should I pay the money to? If I pay First National, how do I get RJM off of my credit report? From what I have read, I'm not too sure I want to deal with First National if I don't have to. HELP!!!