Hello ..I NEED HELP BAD!?!?!...i got a letter from RJM stating that they bought my old bank account that was supposly over drawn and that I have 3 options in witch to pay them>should I believe and pay them,or what should I do??This bank account thier talking about has been closed for almost 5 years now.So what should I do.Please help!!?!?!

A bank account can NOT be purchased, this sounds like a scam to me. Have you ever received a dunning letter (letter of collection) in the mail, if not, next time they call tell them you want a letter of collection before you do anything, and don't admit or deny to owing them until you receive something in the mail and they validate it.

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I got a letter in the mail from RJM acquisitions, demanding money that I need to pay from a past Bank account, but the Bank that I was doing business with was stealing money from customers accounts, including mine. I would like to receive my money back, but I don't think it's possible. My letter also has 3 different ways of paying them off, but I don't owe them, instead they owe me.

I got a letter from RJM today about a overdrawn bank account for my mother who is 85 today. She moved out here with me last year in Jan 09. I closed this account with the bank manager in Jan 09. You can not even call these people. What should I do. Thanks.

I emailed them at this address (found online) egraham@rjmacq.com when they send us a fraudulent letter trying to collect money for a bank account long closed and paid off. Called them out on their BS and threatened to file a complaint against them with the BBB (which I did anyway).
They responded the same day that my account had been closed and they would never contact me again. They are scammers and they know it! Don't hesitate to email them and explain you know they are illegally claiming non-existent debts!

I just have one (Credit card) item for collection from First Premier($385.00 dated as 05/09/200on my Trans Union report and my credit is 541. Is That right? Tks

BBB is about as useful as a turkey with no breasts....I filed a complaint with them on a company and they tried to contact that company 3 times in the 30 day period. They couldn't contact them and closed the file at 30 days, put their rating down to an F.....now all of a sudden the company responds with a complete;y BS statement and the BBB is now saying I have to respond in 10 days to them....the file was closed, they had 30 days to respond and this in no way should now make a change. their rating had better stay an F, that's all I can say.

The BBB can't do anything to them they can only rate them which if it is a bad company they have a bad rating anyway. The only way to really hurt a debt collector is with the Attorney General, FTC, that attorney debt collector's state BAR or a last resort, a class action lawsuit.

I am so sick of this comapny calling me and telling me the federal marshalls r coming to get me and that I will be hauled into court and do possible jail time. I know for a fact that they are not allowed to threaten me but the person that called you cannot understand and I am really tired of that.

Please file complaints with your attorney general and the FTC.

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Online Complaints Ohio Attorney General
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Ohio Payday Loan Laws
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my husband received a letter from rjm we know what its from but now that i read all this ho w should we proceed? should we pay them but what if they try charging again?

Is this the first letter from them? Does it say you have 30 days to dispute the debt? What state are you in and when was the last time a payment was made?

DO NOT PAY YET!!

answer my questions first and if it has been less than 30 days since you got the letter and if it is the first one from them AND if it has the 30 day disclosure, you need to send a debt validation letter ASAP......I will give a sample, format it to your needs but do not sign your name, you can just type it when you type up the letter, use fancy type or initial it in pen, your choice.......send it certified mail return receipt requested, it is about $5.35 at the post office.

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on ***********. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:

1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Best Regards,
Your Signature
Your Name

I'm being sued by RJM for an outstanding debt of $911 that had been written off from a bank that RJM must have bought. About 4yr ago I did take them up on their 'discount' at 50% off but could only pay a few payments because our income stopped when my husband got hurt. They ARE now coming after us for the FULL amount. [I've changed banks since then so can't find proof where we paid them but know we did pay about $300, but they don't show it] Our court date is this coming Tue[Mar16th] My husband is now laid off so we still don't have money to pay half of it much less the full $911. [Even our unemployment hasn't started yet] I never thought to write RJM a validation letter so guess I'm stuck with this court date and whatever the court declares?? Unless anyone has any quick advice??? Thanks in advance for your help!

P.S. I should mention that the bank mentioned in the above post was AmSouth [in Tennessee] which now no longer exists....it merged with Regions Bank. Can I still request the debt be validated from RJM? What options do I have at this late hour? Is there any way to prevent the court date next week? or for the judge to side in my favor? Thanks again for any help you may offer.