Rannefeld & Associates; CACH LLC

This firm said I owed them for a cc and than they changed there minds after investigating and said to me on two occassions that it was not me and they would take care of it. that was summer of 2007. well I just applied for a mortage loan and they came up on credit report they never took care of it, one year later .I feel they a hurting my fico score and they have been doing it for over a year. what can I do legally when a collection agency is holding my fico score hostage. I want to sue .I am angry they are still reporting a credit card that is not mine and did not take it off my credit report and are hindering me from getting a good rate on a mortage loan. Thank you for your replies.
john

There are more honorable professions.

Moderators are people with opinions also.Last time I checked our admission fee was zero to post here.

I've just got blind sided by these people Friday afternoon. I had a Jeff Skoal call me and give me once last chance to settle my credit card debt of $1500+. I kept telling him I know nothing about this. That I have no credit cards except for 1 and it has a $300 limit on it and it's for a department store. He asked if I had filed a Fraud Report with the police department. I'm like, uh, no because I didn't know anything about this till now, so how could I file a Fraud Report on something I know nothing about. Well, he badgered me until I post dated a check to him. Since then, I've retained Lexington Law (that afternoon), and I've completed closed that account which I post dated the check out of. I am going to both fax and send them a return receipt/certified letter requesting both validation and verification of this debt. Besides the fact that there are now Fraud Alerts on all 3 of the credit card companies. I have 8 credit cards that were pulled in my name. Take it from someone who didn't think that there credit was even good enough for 1 credit card let alone 3, it was quite a shock. Just goes to show that Identity Theft can happen to anyone! Once this is all cleared up, I am definately looking into Lifelock. But dealing with this Jeff Skoal has been less then wonderful. He's very pushy!!!! Kept telling me that he was going to serve me with papers at my job. That if I paid this then he wouldn't charge me $2,000 for his fees (attorney) and court costs of $800.

This happend on Friday afternoon, today is Tuesday (8/19) and Lexington Law has already sent letters to these credit card companies disputing these cards. They have all been charged off over a year ago. So now I'm dealing with the collectors and supposed attorney's.

Thanks once again. This site has been extremely helpful.

lifelock is a joke

does anyone know if this law firm handles HSBC credit card

I was contacted by mail by these people, that stated there is a lawsuit filed against me by CACH LLC. The letter states they are a law firm and would charge $750 to settle this for me. The letter states they can put a lien against my home etc.? and that I did not have to wait to be served with the lawsuit from CACH to respond? Do you know about these people?

Debidawg, The best way to help you is to answer these questions for us. If an attorney is not licensed to practice law in your state, the threats are illegal. If the threats are from a debt collector, they are also illegal. If they are pretending to be an attorney it is again illegal.

What state do you live in?

Who signed this letter or who's name is on this letter?

Is this a letterhead from Rannefeld & Associates? Does it say attorney anywhere on the letter?

Did they say there was already a lawsuit filed or did they say they will file a lawsuit?

If they said it was already filed, Call your local court house and see if it is true, find out the docket number, etc....

It was from the Heston Law Firm in Houston, I'm in Texas, they said it was already filed and gave a case number at the bottom of the letter. I e-mailed the court clerk and have had no reply, it's been about a week.

Heston Law Firm is a consumer attorney from what I have read. They know that a suit has been filed against you so they want to help you win the case. They sue debt collectors and are not debt collectors from what I see.

hestonlawfirm.com/index.html

I contacted them and they said they would get back to me, but have not called me back, so you think there is actually a suit filed?

Wow bravo to you Manuel Ruiz. You came all they way to this site just to be a troll. If it's any consolation I really need to take a piss from too much Whiskey....

There everyone has heard your nonsense and now mine, BTW how is Mexico Manuel Ruiz-de-Chávez

I was just served from this firm Rannefeld and Assoc. last week. I now have 10 days to answer the suit.......I thought they were bogus, but they are not. The woman Heather, who called me, wanted me to also get a loan within 24 hours for the debt of $2400. They called me a month after they filed suit.

heston law firm is not rannefeld somone posted own wrong site this forum shows to be for rannefeld

I have been trying to get a validated letter from procollect but have not recieved anything. When I call, the people are terrible! They yell and threaten and don't let me ask questions! I know they recieved my request for validation because I sent it certifed to two addresses listed for them and both were recieved. They have already posted this debt on credit report but refuse to work with me to resolve it. What else can I do?

IN FIRST PLACE. THE BETTER YOU ARE AT BUILDING RELATIONSHIPS WITH YOUR CUSTOMERS, THE BETTER YOU WILL DO AS A COLLECTOR. THE BETTER YOU KNOW SOMEBODY, THE EASIER IT IS TO ELICIT HIS OR HER COOPERATION. THE MORE YOU KNOW YOUR CUSTOMER THE BETTER.