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 Posted: Sun Jun 01, 2008 2:19 am Subject: Riverview Asset Management |
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I suspect a Collection agency is calling my friend's house 1-2 times a week asking for me. My friend tells them I do not live there. (I don't know what gave those people the idea to call my friend) The caller is Riverview Asset Management. 866-620-5498
I called the number my friend provided, and that's who it was, and got a recording saying they were assisting other people, and for me to hold. I hung up. I don't believe I owe a debt, except one for over $5,000 to a doctor, and I have an agreement to pay them $40 a month, because I am on disability. That debt began in 2001. Also, I just checked my credit report, and did not find any collection agencies on there. I had a fair score, too.
I have a mental illness, and I have anxiety and depression. I am afraid to contact the agency myself, because I am afraid what they might say.
Why are they calling my friend, asking for me? If I owe a debt, the one I owe the debt to should have my mailing address and phone number, because it hasn't changed for over 20 years. Why won't they contact me at my home, instead of pestering my friend?
I told my friend when they call again, to tell them to stop calling.
Thanks!!!
P.S. as far as I know, I have no other debts,(I don't receive any bills that I do not pay) and I do not have a credit card, use Tracfone, and live with my father, so I have no assets. I am on SSDI.
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markofkane
Joined: 01 Jun 2008
Posts: 180
Debtcc Points: 724
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| Posted: Sun Jun 01, 2008 4:50 am Subject: |
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I found this on the BBB site
Name: Riverview Asset Management Service
Phone: (314) 843-1911
Fax: (314) 843-9867
Address: 11017 C. Gravois Industrial Pl
Saint Louis, MO 63128
Original Business Start Date: January 1996
Principal: Mr. Tom Stevens, President
Customer Contact: Mr. Tom Stevens, President - (314) 843-1911
TOB Classification: Collection Agencies
BBB Accreditation: This organization is not a BBB Accredited business.
Ask your friend (or you could do it for him) to send Cease and Desist Letter. Be sure to include the Phone number that they are calling and that the person they are trying to reach does not live at this address.
There is a template in the Do it yourself link above.
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mommontoya
Joined: 21 Jun 2006
Posts: 480
Debtcc Points: 4269
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| Posted: Sun Jun 01, 2008 4:51 am Subject: |
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To start with, I deleted your other thread for you. No big deal.
Now, if they continue calling your friend's house looking for you [they likely will], then your friend needs to send them a total cease-and-desist letter. It's real simple, and it goes like this:
| Quote: | Dear sirs:
I hereby revoke your right to contact me by any means, for any reason.
Sincerely;
your name [typed, not signed] |
The letter needs to be sent certified mail, return receipt requested, so your friend can prove they got the letter. Once the CA gets that letter, they are bound by federal law [FDCPA] to stop calling your friend, period.
Now... You really ought to call them and find out what their thing is. Don't give them any information, just identify yourself, and ask them why they're calling. You want the name of the creditor, the amount they want, and their mailing address. That's all. When you have that info, hang up. If they won't give you that info, hang up anyway, and let us know.
Once you have the info, plug it into this letter template. Be sure to include the enclosure, and send the whole works CM/RRR. That will stop them from calling you, or sending you anything by mail unless and until they provide validation of this supposed debt in writing. [They can't validate if it's not yours, and likely not even then.]
If you just really cannot bring yourself to call them, we can work around that, too. In the letter template where you see this line:
| Quote: | Collection Agency Name
Address
CITY/Town, STATE ZIPCODE
Re: Acct Ref. # XXXXX and XXXXX
To Whom It May Concern: |
Change it to read like this:
| Quote: | Collection Agency Name
Address
CITY/Town, STATE ZIPCODE
Re: Any business you may have with me.
To Whom It May Concern: |
Get it together, and send it out in tomorrow morning's mail. Here's their address, lifted from their [shoddy] website:
Riverview Asset Management
Also Known As R.A.M.S
11017 Gravois Industrial Plaza, Suite C
St Louis, MO 63128
_________________
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The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
 Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
Last edited by unclewulf on Sun Jun 01, 2008 4:58 am |
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unclewulf
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| Posted: Sun Jun 01, 2008 4:55 am Subject: |
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Be sure to send the letter by certified mail with a return-receipt required
oops! Talk about great minds 
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mommontoya
Joined: 21 Jun 2006
Posts: 480
Debtcc Points: 4269
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| Posted: Sun Jun 01, 2008 5:47 am Subject: |
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Thanks,I will see what happens. I am not sure if i can muster the courage, and I feel that it's not fair they are doing this to my friend, yet will not contact me directly. If I can get the courage, or when it happens again, I may just call them.
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markofkane
Joined: 01 Jun 2008
Posts: 180
Debtcc Points: 724
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| Posted: Sun Jun 01, 2008 6:44 am Subject: |
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There's always this option:
| Quote: | Collection Agency Name
Address
CITY/Town, STATE ZIPCODE
Re: Any business you may have with me.
To Whom It May Concern: |
And their address is posted at least twice on this thread. It's important that this letter go out as soon as possible. If it waits past thirty days, the CA can just assume that whatever crap they have is valid. That really makes it harder to resolve.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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Posts: 2139
Debtcc Points: 17960
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| Posted: Sun Jun 01, 2008 10:09 am Subject: |
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OK, I'll see what I can do. I tried calling, but it was just lousy music and I waited several minutes. What should I say in the letter? Something like:
"I was wondering why you keep calling my friend, instead of contacting me directly. If I owe anything, you should already have my address and phone number. I am not aware of any debt that I am not already making payments on. Thank You"
Would that be OK??
_________________
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Guest
Debtcc Points: 100
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| Posted: Sun Jun 01, 2008 10:21 am Subject: |
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Guest- look at unclewulfs' post above yours, it gives you a template for a letter and exactly how to word it.
Don't put in a letter what you just posted you were going to. You don't want to give them any wiggle room saying that you are acknowledging the debt, beforeyou even know if it is a valid debt, or that they are the ones who are supposed to be collecting...Good Luck.karen
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As long as you are alive, there's always hope
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Bossy4455
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| Posted: Sun Jun 01, 2008 10:24 am Subject: reply |
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listen to bossy,use wuelf's letters.do not admit anything until validated in writing.judging by the calls to your friend,they would do the same to you.you don't want that do you?send the letters as instructed by wuelf.cretified mail return receipt.
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paulmergel
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| Posted: Sun Jun 01, 2008 10:28 am Subject: |
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| Guest wrote: | OK, I'll see what I can do. I tried calling, but it was just lousy music and I waited several minutes. What should I say in the letter? Something like:
"I was wondering why you keep calling my friend, instead of contacting me directly. If I owe anything, you should already have my address and phone number. I am not aware of any debt that I am not already making payments on. Thank You"
Would that be OK?? |
There is a template for a strong-arm debt validation letter right here. I would really suggest that you make use of it. Customize it to fit your situation, and send it out CM/RRR, tomorrow morning. This is a tried and true letter that's worked well for many members of this forum, including me.
Be sure to include the enclosure, and do not sign your name unless you fancy seeing it on forged documents at some later time. Just type your name at the end of the letter.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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Joined: 27 Nov 2007
Posts: 2139
Debtcc Points: 17960
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| Posted: Sun Jun 01, 2008 3:31 pm Subject: |
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If I may add:
Please be sure to state in the letter the phone number that you do not want them to call anymore. Do not mention your friends name cus it seems all they have is your name and his number.
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mommontoya
Joined: 21 Jun 2006
Posts: 480
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| Posted: Sun Jun 01, 2008 9:48 pm Subject: |
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To answer your question about calling your friend; these lowlifes will call everyone they can that they think might be a friend, neighbor or relative. Don't forget to send them a cease and desist letter cmrrr.
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Guest
Debtcc Points: 100
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| Posted: Mon Jun 02, 2008 3:24 am Subject: |
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| Quote: | There is a template for a strong-arm debt validation letter right here. I would really suggest that you make use of it. Customize it to fit your situation, and send it out CM/RRR, tomorrow morning. This is a tried and true letter that's worked well for many members of this forum, including me.
Be sure to include the enclosure, and do not sign your name unless you fancy seeing it on forged documents at some later time. Just type your name at the end of the letter.
_________________ |
Thank you. I hope that this letter will not cause me more trouble. I cannot pay any more debts. I would hate to have to go to court, as the letter threatens.
Do any bill collectors ever call people on this letter, and what happened? 
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markofkane
Joined: 01 Jun 2008
Posts: 180
Debtcc Points: 724
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| Posted: Mon Jun 02, 2008 3:29 am Subject: |
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| Quote: | | To answer your question about calling your friend; these lowlifes will call everyone they can that they think might be a friend, neighbor or relative. Don't forget to send them a cease and desist letter cmrrr. |
Yeah, I know. I have call block, and if a Telemarketer (not a bill collector) does not honor the Do not Call List, I block them. And the Bill Collector's number is NOT on my block list. Why they call my friend 15 miles away instead of calling me or mailing me directly is beyond me. Those Bill Collectors are morons. 
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markofkane
Joined: 01 Jun 2008
Posts: 180
Debtcc Points: 724
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| Posted: Mon Jun 02, 2008 3:44 am Subject: |
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| markofkane wrote: | | Do any bill collectors ever call people on this letter, and what happened? |
Some undoubtedly do. But, having sent the letter and kept the proof, you now have the law on your side.
FWIW, I've sent that letter to three of the worst of the predatory CAs: MRS Associates, LVNV Funding, And Resurgent Capital. I haven't heard peep out of any of them so far, and it's been ten weeks since the last couple of letters went out. Of course, if they try anything, I'm perfectly willing to see them in court. I need a new hobby anyway. 
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2139
Debtcc Points: 17960
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| Posted: Mon Jun 02, 2008 3:46 am Subject: |
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Thanks!! going to mail it this morning. It might be all for nothing, but hey, they won't contact me directly, so I have to send them a letter, eh?
P.S. What do I do if they send all the documentation?? I still cannot pay.
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markofkane
Joined: 01 Jun 2008
Posts: 180
Debtcc Points: 724
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