I have received a letter from FNCB from 12 yrs ago can someone tell me what the SOL in the state of Indiana is?
Thankis

I am going through bankruptcy and there was an old debt showing from Radio Shack on my credit report that First National Collection was handling for them - My lawyer mailed the paperwork to the address: 230 S Rock Blvd. Reno, NV 89502-2388 and it was Return to Sender Not Deliverable as Addressed, Unable to Forward. Any ideas?

Thanks!

Troll-spew deleted. - Uncle Wulf

Didn't take a genius to figure that one out, did it? What about JDB's that try to collect on bogus debts?

Exactly. This is a Junk Debt Collector. Don't waste your money, as they can't fix your credit report if you pay them. The originating company most likely wrote off the loss and so has minimized their loss. Most of these JDCs are owned by the same group of scumbags and try to re-age debts or add them to your credit report. Oh, and LoriJean...learn some Internet etiquette and stop yelling (e.g. Use the writing skills that were supposed to be taught in High School).

i worked for this company so i can tell you now
that any debt past 7 years they can try to collecton legally but! you dont have to pay it they will make you feel like you do but all you have to do is tell them to close it and not to call you again if they call again reguarding the same debt make sure you have proof you told them to close it and never call again then you can take them to court and get them for 10 grand if you have any questions you can reach me at ***********@****.com k

Edited for your protection - ND

[cherieglenn]

I just received this from First National Collection Bureau (reference: credigy receivables)

Re: Credigy Receivables, INC.
Judgement Amount: $3000

Dear ::my name here::

The court has awarded our client a judgement confirming your liability for the above amount. Our previous letter to you regardihg this judgement has been ignored.

You leave us no choice but to confirm assets and report to our client. Our client will then take the necessary steps according to your applicable state laws to secure payment.

Additional actions by our client or it's attorney may result in additional costs to you.

It is our sincere hope that you call and make arrangements today in order to settle this account in an amicable manner.

----------------
****So since they have a "judgement" out on me (the letter addressed this October) does this mean that it is too late for me to try to dispute this by sending a letter to request proof of the debt? It is a debt (from original creditor) is over 7 years old now and is no longer on my credit report. Also, I never got a summons or anything. They haven't provided the court name so I can't call and confirm there was a judgement. Are they required to prove to me that there was a judgement.

Also, one more question. They say there is a judgment, and I checked my credit report, and it isn't on there. I got the letter this month (does it take a while for it to be placed on my credit report)?

Sorry for all the questions.

Renee

Check with your county clerks office to see if there is really a judgement on you. If so find out where and when you were served, you may have the judgement overturned for improper service. Also tell us what state that you live in, each state has different SOL's.

[cherieglenn]

I live in Michigan. Also, what do they mean by "we have no choice but to confirm assets"

[cherieglenn]

I just checked both my county clerk and the district court for my city, and they have found nothing under my name. The district court did find a case for credigy receivables against another person, but my name is not in their database. So this means they are not being truthful right? Can they make a judgment against me in another county? What should I do next?

Has to be filed in the county of residence.

[paulmergel]

yep a bogus affidavit of judgement.i would immediatley send a DV letter along with a C&D letter.this is a trick of bottomfeeders.demand validation and let them know you are aware that no judgement was rendered and that you are looking into taking action against them for fdcpa violations.

Do not send them any money!!! It will immediately go back on your credit reports as a debt, paid in full or making payments and it will stay there for another 7 years! WRONG...Sorry Folks! Confused296 is relly Confused - ND Any activity on an old debt is reported from the date of last activity. WRONG.....Derogatory items can only stay for 7.5 years from DOFD - ND That means even if they carried it 7, 10 or 30 years ago and you want to do the "right" thing by paying it, you will be penalized by having a bad mark on your credit yet AGAIN for another 7 years. Ignore them or if they are bugging you, write them a letter telling them not to call you ever again!!! You can't stop them from writing, but you can stop them from calling. Send the letter certified. Do not say anything else in this letter. Do not admit the debt is yours.

So called company changes addresses ,like you change socks
Do not reply to any correspondence they send you.

Well, I just spent the last 30 minutes filing complaints with the Arkansas Attorney General and the BBB. There is this company who calls me several times a day and sends me 2 letters a week about a debt I supposedly have from 9 years ago. I have asked them over and over again to send me information on this debt: original dates, original company etc and they told me they don't have that information and that I should have it. WHATEVER! Can we say FRAUD? I finally checked my credit report and there is nothing there! I knew it was suspicious because any debt that is that old is past the statute of limitations. So I filed the complaints and called this company back and told the lady who I was and that I had just contacted both these agencys and to no longer call me. She was so "sweet" and said "Oh, I will go ahead and close your file". We shall see............
Oh yeah, my restitution request is a letter of apology.

[NASCAR_Devil]

Don't hold your breath... send them a full Cease Comm FOAD letter. After they recive it, they are allowed to contact you once more only to inform you they are ceasing collection efforts or any action they intend to take.