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Posted: Mon Jun 09, 2008 4:51 pm Subject: graham and noble

graham and noble called my house today and left a message i was going to be taken to court over a credit card that was charged off more than 5 years ago. he called my parents house saying my fathers social security would be taken. he called two of my neighbors leaving information for me to call him. so i called him back bitchin about calling my parents and threatening my fathers social security. and the guy told me that person that called earlier has been fired earlier. are these people allowed to call all my neighbors about a credit card that was charged off more than 5 years ago??? am i going to go to jail? i live in Pennsylvania if that helps. what should i do??

Posted: Mon Jun 09, 2008 10:33 pm Subject:

Dear Bugsas,

At first glance to the number of years it seemed to me that the SOL of your debt has lapsed. But after checking it I found out that in Pennsylvania the SOL for old credit card debt is 6 years. So, your debt is still within this period.

First of all I want to tell you that they can’t put you behind bar. By calling your parents and threatening them, they have already breached [url=http://www.debtconsolidationcare.com/fdcpa.html]fdcpa guidelines[/url].

If you wish then you can make a formal complain to: -

Federal Trade Commission,
Bureau of Consumer Protection,
Office of Consumer & Business Education,
Washington, DC 20580.

Phone: - (202) 326-3650.

You can also contact the Attorney General of your state, Consumer Protection Office.

If you need customized help then you can get Free Consultation from our community’s financial expert.

Regards,

Phoenix

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