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Guest · Posted: Tue Oct 21, 2008 7:40 pm Subject: NCO?

Last month a got a call from a robert mullas from NCO demanding 5k for a credit card that was charged off over 7 years ago. This guy told me that if i do not pay or agree to this debt they will report it to the police, then i will have problems. He told me i used the card, bought merchandise and failed to pay for it, this is theft and it is a felony. I hung up the phone and changed my #. I have a old credit report showing this is charged off in 2000. This is not even on my current credit report. Now i am getting letters from Litow Law office out of cedar rapids Iowa on this matter. I also live in Iowa. With a lawyer sending me letters now, was Rober Mullas serious. I am concerned cannot afford a felony

Posted: Tue Oct 21, 2008 7:46 pm Subject:

You can't be charged with a felony for a credit card debt. I would start recirding these calls if at all possible since claiming you will be charged with a crime is a crime. When was the last time you paid on this account? SOL in IA from what I can see is 5 years:

NASCAR_Devil - comment

Based on that, this is time-barred by statute

Posted: Tue Oct 21, 2008 7:55 pm Subject:

BTW....IA is a 1 party state. You can record without informing the other party. Did you respond to Littow with a DV letter w/in 30 days of receipt?

Guest · Posted: Tue Oct 21, 2008 7:56 pm Subject:

must of been in 2001 before i got divorced

Guest · Posted: Tue Oct 21, 2008 8:02 pm Subject:

No i did not send anything to Litow as of yet i got the letter last week and it was threating legal action. It is nice to know that they cannot win with this. I changed my phone number after the conversation with this Robert Mullas. He would call and leave messages with my kids and mentioned jail. what a pain!

Posted: Tue Oct 21, 2008 8:12 pm Subject:

DV them before the 30 days has expired. Sample letters are here but tailor it to your situation:

http://www.debtconsolidationcare.com/letters/

Guest · Posted: Tue Oct 21, 2008 9:11 pm Subject:

I will, would you suggest i get my own atty.
thank you for your help!

Guest · Posted: Tue Oct 21, 2008 11:33 pm Subject:

I would send NCO and the attorney a DV letter, include a statement with the DV letter that this debt is beyond the SOL. You can sue them for violation of the fdcpa "threatening to have you arrested". Let them know that you will file a complaint with the FTC and the AG of your state.

Guest · Posted: Tue May 19, 2009 10:35 am Subject:

what if you have been paying Litow Law Office and your debt has not gone down. i owe about as much now as i did 2 years ago when i started paying. Is there anything i can do to get out of paying any more money?

Posted: Tue May 19, 2009 10:40 am Subject:

I would be sending them a letter asking for a itemized statement asking where all the money I've been paying has gone before I sent them another dime.