RJM has opened up an old account. Item that was bought was returned. Have had absolutely no contact with supplier since then. Last contact date has been falsly updated. Getting to be servere phone harrasment from RJM. considering a lawyer. I have found statments that RJM can be and is crooked. Falsifying records to their own benefit.

I got a letter from them saying that I owed money from an account that I never had. I have never bought anything from fingerhut. I never have applied for a card through them. I am very disgusted and enlisting the help of an attorney. There are a lot of people they are trying to get money from innocent victims. Watch out.

Finally got my double payments. For their stupidness, I am sending them 20 a montha nd that is all they will get until it is paid off. Iditots!

[ben]

Sully, do make sure that RJM updates your accounts with the bureaus as well after the payments are complete. This is important in order to retain your credit worthiness.

I am making payments to them, they dont harass me either. They are probably one of the good collection agency's. and they also report to the credit bureau as now paying.

yup they are updating right. Now if I can get the darn student loan people on my dh's not to show it twice, it would be NICE!

RJM is a notorious "zombie debt" collector. A DV letter is all that is required. Beware of their practices of trying to "re-age" a debt. For good information on these junk debt collectors, see:
fair-debt-collection.com/junk-debt-buyers.html

Good luck!


Link made inactive as per forum rules-Vikas

I had a lot of problems with fingerhut, they refused to accept my money and I've had a hard time locating this company...thanks to this site and posts, I'm going to call them. They're on my credit report for fingerhut's account which is over 6 years old now!
Thanks to all for your info!

[4u.bryan]

Rachelle,

Please check your state laws regarding SOL. If your debt is past SOL, no one can legally force you to pay this, however, in reality, the debt still belongs to you.

I also received a collection demand from RJM. I do NOT owe any one anything. My credit report is clean.
I turned this over to Pre Paid Legal's law firm to handle. My memebrship per month is ONLY $25. This is worth it to get the illegal collection agency off my back
dart
SAcramento CA

I was sent statements for the above account with Charter One. They were for March, April, May, 2004. Unfortunately, this did not answer the question of activity through the close of this account. I am sure payment was made at the bank due to charges in the amount of $33.00 every third day. These statements only go through the balance of -$459.11. It does not tell me how or when the account was closed, by whom, and the debits/credits through the close of this account. Please research and send me proof of the June/July.... however long until this account came to be with you. Thank you.


Account number deleted for your safety and email deleted as per forum rules-Vikas

[stanley]

Kimberly York,

Perhaps you have landed at the wrong place. This site deals with debt consolidation and credit related queries. Please forward your request to your creditor.

You can search the contact details of your creditors with BBB website.

I've been dealing w/ RJM for over a year. I asked for a letter stating that the acct had been pd in full and recieved none. Then i get a 1099C from them around tax time, in the mail which I have to claim as income. I called to find out what was going on. They said it was the difference between the Double credit offer they extended me. I told them i agreed to the double credit but not a settlement. If i only owed that amount then i could have easily paid them. They stated any further information about the acct. would require my attorney or accountant to call them. What type of BS is that

[stanley]

Double credit offer they extended me

Sophia, could you explain a bit what they exactly did when you paid the loan back. As per as my knowledge is concerned 1099 C form is applicable for cancelled debts only. If you did not settle your account, probably you do not need to fill out the form. However, it would be better if you can discuss this issue with a lawyer. Keep us posted on this.

To give further details....I paid RJM over a thousand dollars which they gave me a double credit for. Equaling 2plus thousand dollars. To make sure that this was not a settlement I called and verified the information. I recieved a 1099 C for 2005 in the mail basically stating that they(RJM) claimed an 834 dollar expense due to a cancelled debt. However, again there was no cancelled debt and definitely not a settlement. I have called RJM for the last 2 days and gotten no where. As a matter of fact, when i called yesterday they hung up on me. I am trully lost. My accountant says to retain all copies of correspondence, checks, and other pertaining items so that when it comes to the IRS it then becomes their problem because i did everything i could do. Is this true?

[stanley]

Sophia,

If there was no settlement at all, you need not file 1099C application. However, what was the exact difference between the actual debt and that you paid them?

If there was no cancelled debt, they cannot claim $834 also. You can dispute this with RJM. You can send letters to them to get more help. Search for their address with BBB.

If nothing is of any avail, consider contacting professional tax advisor.