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I keep getting calls from these people about an old debt from 1998 that the SOL expired on in 2002. I know that if the SOL have expired they legally can't do anything. All they can do is continue to harass me. So, I really shouldn't worry. However, I find their phone calls very abusive and annoying.

I was just wondering if anyone has ever heard of them or had to deal with them before?

Once again, I'm asking about 'The Titan Group' or 'Titan Group'.

The phone numbers that they've called me from are:

716-873-3695 (I found this link on Yahoo when I looked up this number http://local.yahoo.com/details?fr=dd-local-tl1&id=37859037 )

716-807-0490 (left a message saying it was 'Titan Group')

716-807-0492 (left a message saying it was 'Titan Group' and to return the call to 716-807-0490)

716-807-0496 (left a message saying it was 'Titan Group' and to return the call to 716-807-0490)

716-695-3116 (not sure if this was Titan Group or not, but I do know it was a harassing bill collector)

410-864-8285 (not sure if this was Titan Group or not, but I do know it was a harassing bill collector)

Please help!! I'm at my wits end!! Thanks in advance for any help that is given. Smile

P.S. I should also mention that ,on several occasions, they've told me that I've committed fraud and theft and have threatened to send a summons and have me arrested. I know this is illegal! Please, what can I do to make them stop?

Any help you can give is greatly appreciated. Thank you. Smile

Posted: Thu Aug 30, 2007 7:18 am Subject:

If you are sure that the debt has reached the statute of limitations and you currently are not obligated to pay on this debt, then send them a cease and desist order.

You should be able to find one on this site or do a search in the search box.

If you have anyother questions please ask.

ladybug

Posted: Thu Aug 30, 2007 7:39 am Subject:

Send a written cease and desist letter certified return receipt mail.Stay off the phone with them and if they call after receiving this letter,then sue them for violations.

Posted: Thu Aug 30, 2007 8:08 am Subject: Thank you ladybug and cajunbulldog!!

Thanks you guys for replying to my message!! It really helps a lot. I will definitely see what I can do to write a cease and desist letter to make them stop harassing me.

I also have a few more questions. There were a few times that I answered the calls. Someone told me that if you answer the phone call they can re-start the statutes of limitations. Is that true? It doesn't make any sense to me.

Also, if you talk to the collection agency on the phone does that verify the debt?

It would really help me a lot if either of you could answer these questions for me. Thank you Smile

Posted: Thu Aug 30, 2007 8:17 am Subject:

Most state sol's require a written agreement with payment or payment alone to renew sol. A debt cannot be validated on the phone,it consists of documentation that collector gets from original creditor.It seems you have been getting played on the phone.Do yourself and your body a great favor and stay off the phone.No good can come of it. In my signature at the bottom of my post are three hyperlinks. Please take the time and at least go to the first website for a copy of the law regarding collections.Once you are familiar with this law,they won't be able to trample your rights anymore.

Posted: Thu Aug 30, 2007 8:32 am Subject: Thank you, cajunbulldog!!

Thank you very much for your reply! That helps a lot!! Now, I can relax a little more.

Believe me, I've definitely learned my lesson about not talking to them on the phone. That's why I don't even answer when they call now. The few times that I did answer was when I first had to start dealing with them about 4 years ago.

I'm trying to go to the links in your signature, but the first 2 aren't working. I keep getting a "Problem loading page" message.

Posted: Thu Aug 30, 2007 8:54 am Subject:

Don't know about link problem.I just checked them and it takes me to the correct page on the ftc.gov page. Maybe go to the ftc site and look up the Fdcpa &Fcra laws.

Posted: Thu Aug 30, 2007 5:23 pm Subject:

Have you checked your latest credit copy if this CA is trying to hit negative item on your file? If so, you have a legal case against them according to the FCRA laws.

This debt is already past the legal reporting time period according to the FCRA laws. Draft a cease and desist letter mentioning the latest status of the account and that you are legally not responsible to pay. If they continue to call after receiving the letter, it will be a violation of the federal laws and you can take necessary legal actions against them. Check your state laws and record their phone calls. Take notes of the date and time and the person you spoke with. This will help in pursuing a class action lawsuit if they don't stop calling you.

Posted: Thu Aug 30, 2007 8:44 pm Subject: Thank you!!

Cajunbulldog- Hmmm, I don't know why, but I can't get to the FTC website at all. I'm using Firefox and I also tried Internet Explorer, but it's not letting me go there. I even had my dad try on his computer (he uses IE) and it didn't work either. I guess the site is just temporarily down.

Thank you for all your help. I really appreciate it a lot. Smile

Bridget- Yes, I got my credit report, but it was 5 years ago. It was in September of 2002. I tried to get my credit report a few months ago, but ,for some reason, it wouldn't let me. I don't know why. I'm going to look into getting it though so I can see if this collection agency (Titan Group) has put a negative mark on it.

Thank you so much for the information that you gave me about that. I really appreciate it a lot. Smile

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