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 Posted: Tue Feb 05, 2008 6:17 am |
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GOOD MORNING ALL,I HAVE A QUESTION.I GOT A CALL FROM SOME CA.THEY CLAIM THEY ARE COLLECTING FOR CONTINENTAL M/C.I THOUGHT IT WAS CHARGED OFF.HE TRIED ALL THE OLD TRICKS.PAY BY PHONE TODAY,HE CAN CLEAR THE CHARGEOFF.NATURALLY I SAID I WON'T EVEN DISCUSS WITHOUT SOMETHING IN WRITING.HE SAID HE WOULD SEND TODAY.THEY CALL WITH A ID SPOOF OF NAVIGATA.THE PH# IS 646-383-1472,OF COURSE I DON'T BELIEVE THEY WILL SEND ANYTHING.IF SOMEBODY CAN FIND THE NAME OF THE CA,PH# FAX# AND ADDRESS I WOULD APPRECIATE IT THANKS. 
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1741
Debtcc Points: 7390
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| Posted: Tue Feb 05, 2008 6:20 am |
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couldnt find anything. They didnt give you their company name/
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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| Posted: Tue Feb 05, 2008 6:21 am |
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He did not say the name of the company he was calling from? I would just ignore him until he comes out of the scum swamp and I dentifies himself. Caller ID spoofs are an FCC violation. Hiding your number is OK but using a fake name is not!
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frogpatch
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| Posted: Tue Feb 05, 2008 6:22 am |
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i dialed the number and it is ERC a financial institution. perhaps you can google them
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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| Posted: Tue Feb 05, 2008 6:25 am |
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ERC HUH?ALL RIGHT I WILL GOOGLE.NO THEY DIDN'T WOUDLN'T GIVE ANY INFO,THAT'S HOW I BELIEVE IT IS A SCAM COLLECTOR.THEY CAN'T COLLECT ON A CHARGOFF RIGHT? 
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1741
Debtcc Points: 7390
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| Posted: Tue Feb 05, 2008 6:26 am |
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sure they can. Just because it is charged off does not mean you dont owe.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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| Posted: Tue Feb 05, 2008 6:30 am |
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OKEY DOKEY,BUT ABOUT MY CREDIT REPORT?CAN A CA MARK A CHARGEOFF PAID?I HAVE COPIES OF MY CREDIT REPORT ON THE WAY.I WILL WAIT FOR ANY PAPERS FROM THIS CA,AND MY CREDIT REPORTS. THANKS.
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paulmergel
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Joined: 24 Jun 2007
Posts: 1741
Debtcc Points: 7390
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| Posted: Tue Feb 05, 2008 6:32 am |
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A collection agency can try to collect on a charged off debt because they usually have bought it for pennies on the dollar. They can even collect on it if it is past the SOL. The SOL is a defense but not necessarily a deterrent!
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frogpatch
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| Posted: Tue Feb 05, 2008 7:05 am |
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THIS IS WELL WITHIN THE SOL.I JUST NEEDED CLARITY ON WHETHER THE CA CAN MARK A CHARGEOFF PAID.I WILL WAIT TO SEE WHAT SEND,IF THEY SEND ANYTHING.I WILL CONTACT THE OC TO BE SURE.
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paulmergel
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Joined: 24 Jun 2007
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Debtcc Points: 7390
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| Posted: Thu Feb 14, 2008 6:23 am |
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all right update.i did get a letter from erc on mon.
it outlined the debt in detail.i sent a payment proposal and a limited c&d.the proposal was for two payments.one of 300.00 on feb 27th.the balance was to be paid on mar 7th.i also faxed it to them.
got the receipt from the certified mail yesterday.
we will see what happens next.
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paulmergel
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