| Message |
Author |
 Posted: Tue Mar 28, 2006 6:49 am Subject: Need some help |
|
|
Has anyone heard of or had any dealings with a collection agency called First National Collection Bureau, they are in NV. They are contacting me about an old debt that I believe is out of sol. How should I deal with this?
|
|
joyfordream
Joined: 01 Feb 2006
Posts: 111
Debtcc Points: 4425
|
|
|
| Posted: Tue Mar 28, 2006 7:29 am Subject: |
|
|
joyfordream
Have you given them any information regarding this debt? And are they contacting you via phone, or mail? You can always send a validation request letter out to them, and find out the exact nature of the debt, as well as find out if they even own this debt.
Regards-
Mike
|
|
Teleport
Moderator
Joined: 09 Aug 2005
Posts: 1483
Debtcc Points: 38851
|
|
|
| Posted: Tue Mar 28, 2006 8:03 am Subject: |
|
|
No, I haven't given them any info and they are sending me the requests via mail only. I haven't responded to them yet.
|
|
joyfordream
Joined: 01 Feb 2006
Posts: 111
Debtcc Points: 4425
|
|
|
| Posted: Tue Mar 28, 2006 8:14 am Subject: |
|
|
joyfordream
Make sure everything is covered in the validation letter. In the sample letter that you can send out, you can also request for their licensing information. If the SOL has passed, then you are no longer legally held liable.
Regards=
Mike
|
|
Teleport
Moderator
Joined: 09 Aug 2005
Posts: 1483
Debtcc Points: 38851
|
|
|
| Posted: Tue Mar 28, 2006 8:27 am Subject: |
|
|
If I send them the letter will can it restart the sol?
|
|
joyfordream
Joined: 01 Feb 2006
Posts: 111
Debtcc Points: 4425
|
|
|
| Posted: Tue Mar 28, 2006 1:31 pm Subject: |
|
|
SOL can only be restarted if you pay them or sign any contract of payment. You can tell them that since the debt is out of SOL, they should stop collecting it b/c you are no more legally obliged to pay it.
|
|
curlycarl
Debt Samaritan
Joined: 21 Jan 2005
Posts: 630
Debtcc Points: 12073
|
|
|
| Posted: Tue Mar 28, 2006 2:20 pm Subject: |
|
|
Here ya go: read the following that was posted on the BBB site
BBB of Northern Nevada, Inc.
991 Bible Way
Reno, NV 89502
775-322-0657
information(at)renobbb.org
| Quote: | First National Collection Bureau, Inc.
230 S. Rock Blvd
Reno, NV 89502
Original Business Start Date: 01/01/81
Local Start Date: 01/01/92
Type of Entity: Corporation
Incorporated: 1992 in Nevada
Principal: David Imburgia, CEO
Customer Contact: Scott Carroll, V.P.
Phone Number: 775-829-3790
Fax Number: 775-829-3795
Membership Status: This company is not a BBB member
Type of Business: collection agencies
CUSTOMER EXPERIENCE
Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaint(s).
When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.
The Bureau processed a total of 13 complaints about this company in the last 36 months, our standard reporting period. Of the total 13 complaints in the last 36 months, 8 of those were closed in the last 12 months.
Complaints Concerned
Service Issues: 3
Outcome of all complaints -
Resolved: 2; Administratively Closed: 1
Billing or Collection Issues: 10
Outcome of all complaints -
Resolved: 6; Unresolved: 1; Administratively Closed: 1;
No Response: 2
COMPANY MANAGEMENT
Additional company management personnel include:
Bradley Jardon, Pres..
REPORT DATE: 03/28/2006
COPYRIGHT DATE: 2006 BBB of Northern Nevada, Inc.
The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources. |
_________________
Becoming knowledgable in itself is power.
|
|
kalevala316
Joined: 23 Mar 2006
Posts: 130
Debtcc Points: 1601
|
|
|
| Posted: Tue Mar 28, 2006 10:10 pm Subject: |
|
|
First find out what the statute of limitations is for your state. Send the agency a letter (return receipt) demanding validation of the debt, as is your right under the fdcpa. Demand that they show that you have some contractual obligation to pay them, not that they simply have your name and address.
_________________
Register today to encash debtcc points.
|
|
mwtx
Guest
Debtcc Points: 100
|
|
|
| Posted: Tue Mar 28, 2006 11:35 pm Subject: |
|
|
Just in case you may have aquired the debt in another state check the SOL for that state.
Unfortunately they can go by the state that has the longest SOL
Tim
|
|
TimB
Joined: 15 Mar 2006
Posts: 49
Location: Indianapolis Indiana Debtcc Points: 2484
|
|
|
| Posted: Tue Feb 12, 2008 1:41 pm Subject: First National Collection Bureau |
|
|
I received a letter from them yesterday on an old store credit card that had dropped off my credit report (past the S.O.L. timeframe). I am going to send them a letter to tell them "too late".
_________________
Register today to cash in debtcc points.
|
|
RebeccaS
Guest
Debtcc Points: 100
|
|
|
| Posted: Tue Feb 12, 2008 1:45 pm Subject: |
|
|
Again, please watch dates. You answered a post from 1 year ago
|
|
kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
|
|
|
| Posted: Fri May 02, 2008 1:37 am Subject: |
|
|
Just because the SOL is up doesn't mean they have to stop collection attempts, it just means they cannot take legal action against you. They can continue to try and collect the debt forever, their options are just limited to calling and mailing.
_________________
Register today to cash in debtcc points.
|
|
GaryH
Guest
Debtcc Points: 100
|
|
|
| Posted: Wed Jun 25, 2008 1:03 pm Subject: |
|
|
As I found out today, they may not be able to take legal action against you, but they can (and will) put a blot on your credit.
I'm just paying them off to make it go away.
_________________
Register today to cash in debtcc points.
|
|
Frustrated
Guest
Debtcc Points: 100
|
|
|
