This company contacted me about eight years ago and said I owed them money I asked for more information about this debt because I had no idea what this was for. Then about six years ago they contacted me again with a form to stop wage withholding. I did not here anything else from them until I received my paycheck the other day and they had garnished my wages. Is there a time frame on collecting a debt that you do owe and they need to provide you with the name od place you supposely owe this money to.

Pinnacle Credit Services is trying to collect a past due credit card debt from me, using a company called Northland Group, Inc. After an abusive phone call from Northland Group, I sent a letter asking questions about the past due account. I sent a small payment, and proof that I am indigent. I got back a letter stating that the amount due had been charged off in 2002 ($1379.31) but there was accrued interest of $2092.13, for a total due of $3471.44. No mention of the small payment I sent. My question: Can collection agencies continue to pursue debt after a Charge Off?

[Shazzers]

Originally Posted by Anonymous

Pinnacle Credit Services is trying to collect a past due credit card debt from me, using a company called Northland Group, Inc. After an abusive phone call from Northland Group, I sent a letter asking questions about the past due account. I sent a small payment, and proof that I am indigent. I got back a letter stating that the amount due had been charged off in 2002 ($1379.31) but there was accrued interest of $2092.13, for a total due of $3471.44. No mention of the small payment I sent. My question: Can collection agencies continue to pursue debt after a Charge Off?

Did you ever receive a letter of collection in the mail? If so, did you request debt validation within the 30 day window required by the FDCPA? If a debt collection agency owns your account, and you did not expressly enter an agreement to pay interest and fees to that collection agency, than they cannot charge you anymore than what the already existing balance is.

Under Section 808 Unfair Practices of the Fair Debt Collection Practices Act under the Consumer Credit Protection Act, federal law prohibits a debt collector from collecting any amount (including any interest, fees, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

They just "appeared" on my credit report like a credit card or loan company. Is this legal?

Regardless of your credit score getting dinged, how you deal with these idiots is to get a quality phone that offers call-blocking features. They will call from two or three numbers but just add them as you go. And never answer the phone - screen all calls. And I bought a decent shredder where all of their letter go unopened. Ta-ta idiots (Pinnacle)!

[Chrys Henderson]

Sounds like a great idea! [sarcasm] The next steps in your timeline are: Pinnacle, not being able to get a hold of you, takes you to Civil Court.

This company hires B & T Financial services who are located in Germantown Maryland to collect on old accounts this B & T Financial Services are very, very unprofessional they will call your relatives if they do not have a number for you. The owner will tell your relative you are being sued which is illegal for them to do, not only that the only thing they have right to do is ask for your location information and phone number it is illegal for them to give any detail about the supposed debt. If this happens to contact an attorney who handles collector harassment this is an automatic lawsuit, these dummies will even leave messages threatening to sue you which is a voluntarily recording that can be used against them these dummies practice collections illegally because this is effective most people don't sue them 1 out of 99 people sue them Pinnacle is no stranger to lawsuits trust me. I recommend that whatever account they are calling about that you do not pay the account. Contact a lawyer immediately. If Pinnacle is not the actual company calling you but they hired B & T Financial to collect on it you can sue both companies trust me on this.
B & T Financial will tell you that they are working for the orginal creditor they are not these dummies do nothing but lie do not believe anything they say it is only to get your money third party collectors pay about 10% of the debt balance for these accounts.

IJust received a letter from you and I have no clue what's for. They say I owe $1466.84. I don't know what they're talking about. They say my account number is GW22811. Can you help me.

IJust received a letter from you and I have no clue what's for. They say I owe $1466.84. I don't know what they're talking about. They say my account number is GW22811. Can you help me.

[Shazzers]

Originally Posted by Anonymous

IJust received a letter from you and I have no clue what's for. They say I owe $1466.84. I don't know what they're talking about. They say my account number is GW22811. Can you help me.

We are not affiliated with this company, this is a public forum dedicated to helping people get out of debt.

After receiving this letter of collection from them you need to send them a debt validation letter within 30 days of receiving it! Make sure you send them this debt validation letter CRRR so you will have proof that you met the criteria of the law by making this CA validate the debt.

Nelly, do your homework a bit better. Pinnacle Credit is not a collection agency. They do no calling or mailing. I believe you have them confused with Pinnacle Finance Group.

Pinnacel is tring to collect a balance on a Captial One credit card that I have never had. How can I get this matter taken care of. The account was opened in Nov. of 2001. I called Captical One and I was told they have no record of me having a visa account with them. No one can send me a copy of a form I signed to open this account. I am tired of the phone calls from these people and I have tried to take care of this matter for 9 years now. Please help. My e-mail address is pstudiner@cox.net. Thank you for your time in this matter. Paul Studiner

pinnacle debt collector has contacted me and are harrassing me at work i do not have any other phone # so they call here. i am the only income coming in the home of 5 people. can i make them offer to settle account.

Pinnacle is using my social security; number to put illigal information on my credilt reports.

I was wondering if there is an account in your office in my name for verizon wireless. This account is listed twice on my credit report and is not mine. I never seen or signed for any phones and want these removed from my credit report. They have failed to send proof that this is my account in a recent letter that I sent them. Please take care of this. I do not get any infromation on this in the mail, it is causing many problems for me

I am call by try on this resolve this account CL253486
will check my credit report on this month(2010)
please send any answer or phone number by contact a your company. at this adress sonoraborn@hotmail.com
thanks