What should I do if RJM Acquisitions sends me a collection notice?

absolutely correct.
You now have to deal with the CA. You can however call the OC and request an account history. Which they're usually happy to provide you with. You can use this to your advantage sometimes. If the CA isn't reporting the correct information to the CRA's then you can send a letter to the CRA to validate that information on your Credit report. Then the CRA has 30 days to send you a response saying what their findings were. Usually the CA can't give validation to the CRA and the CRA has no choice but to delete the TL from your Credit report

Well the fact remains sir, that you still OWE the money they just don't have a legal leg to stand on now. They will keep selling your account until you send them a letter to Cease and Desist and probably they'll still sell it. But if they do you'll be in the driver's seat. You can sue them!

rjm keeps sending me a notice to pay off old over draft charges from a checking account I never had. how do i make them leave me alone?

Just received a letter from RJm about a checking account that was closed around 2006 or 2007. It states that its from an account that was overdrawn. What should I do ? Should I contact the bank or them?

What state do you live in? You'll need to look at your credit report and find out who actually owns the debt. Next you'll need to determine if the SOL has run out. The next step, if applicable, would be debt validation.

my husbands just received a letter from rjm acquisitions in regards to a checking account that he has never had at all. it's not even his name, it's a similar name. example (without using my hubby's real name) it says:
james c. flowers (with our new address - we just bought a house) and my hubby's name is james l. smith-flowers. i believe they are confusing him with someone else that never lived in this house at all in the past (i checked the property records in my state of georgia). how do i go about notifying them that they are sending someone else's debt notices to our house? thanks

Mark envelope ....return to sender...person unknown.

I have a question. Do you pay this place for outstanding debts?

Cheatem Collections
123 Fagetaboutit Ave
Chicago, IL

17 April 2000

RE: Account 5145454156

Dear Sir or Madam:

I request that you CEASE and DESIST in your efforts to collect on the
above referenced account (SEE letter attached). It is my personal
policy not to deal with collection agencies and I will only deal with
the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or
face legal sanctions under applicable Federal and State law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES (scumbag is
optional)


Cordially

Scott Free

That letter makes the person look like they don't know anything. For one, some debt is purchased, which means you could never go back to the original creditor. This kind of letter would find the writer very possibly sued.

Unless you are absolutely sure the debt does not belong to you, you should never send a cease and dismiss. Send them a debt validation letter.

I just called them about a bill for my wife. It was a Mystery Guild account from 2002, which I had paid off at the time. Apparently they never credited our account. After speaking to them, they canceled the debt. Be sure to know your facts before you speak or communicate with these people.

i just had my mother use her credit card to pay off my debt that RJM had purchased from a bank i owed money to. i was unable to open a bank accout due to this debt, and now that it is finally paid, i can re-open an account
WELL...i tried to open a bank account again, and they said it hasnt been paid off, even though it shows up on my mothers bank statement..what do i do now? I NEED a bank account!

Ok you need to find out where the bank is getting this information, if it isn't telecheck. You then need to contact that company and dispute the account because they are acting as a credit reporting agency and have a duty to make sure their records are accurate.

You could also try to get a paid in full letter from the place you paid off and show that to the bank you are trying to open the account with, but that won't solve the problem..just put a band aid on it. You really need to find out where this info is and get it corrected.