[paulmergel]

well that's good.how about giving us some info we can use.if what you say is true.turn him in.too many ex-employees want to come on and use us as a crying towel.maybe you did get dismissed for that.cool,but again give us something to work with.somethiung we can use when someone calls and threatens us.that is what we want.

I always say "Well, you can't get blood from a stone and I'm 'bout to roll out, Peace!" Don't worry they'll call back, might as well squeeze some fun out of it.

Is someone available to answer my qustion? B/c I've been trying and it's saying to try later...

I have an outstanding debt with them and i have called several times and sent a letter to them to get an itemized bill and they claim that they have sent one. I started requesting this info a year. What can i do?

We have received mail at our residence from your company for Alison R Reeves Kidd. We live at Deleted for your protection - ND and have lived here since Jun 2000. There is no one or has there ever been anyone by the name of Alison R Reeves Kidd living at this address. Just thought you would like to know.

Thank you - Sandra R

Sandra - we are not a collection agency. You have posted your address on a public internet forum

What do you do if the proved the debt is yours but it is out of the SOL?

Anybody had this successfully removed from their account? I paid mine and they said they'd delete. Now I'm just waiting.

[NASCAR_Devil]

If it is beyond SOL, send them a FOAD letter.

I, like others was going through my credit report and had a book club memebership listed on my credit. I called the 800 number and spoke with someone.. The only question she asked was if I had a list of certain books he named. I told him no, and he said he was going to close the account. I think this is a scam too and everyone should call and get it taken off!

I owed the Bank 400.00 but a creiter called me and offerd me a settlel ment to pay 200.00 and that would be it now there trying to get the other 200.00 after thay said i would not have to pay the rest. What can i do

I am a former employee of RJM Acquisitions/ING (Island National Group). The physical address and actual location of the offices are

575 Underhill Blvd
Suite 224
Syosset, NY 11791

RJM is an acquisition company they purchase the debt they attempt to collect from you for PENNIES ON THE DOLLAR, they own the accounts and have the legal right to collect it. However what they dont want you to know is that they NEED to collect money on those accounts or else they are worth nothing.

If you have a fingerhut account they claim to own, or if you have a Doubleday book club account/black expressions book club/Doubleday Large Print book club account or anything similar, DISPUTE the authenticity of the account say you never had the account never purchased or recieved any of the items they claim that you had purchased and there is an almost 100% gurantee they will close the account. I would do this for a job every day answering hundreds of in coming calls from debtors and i closed more accounts than i had actually recieved payment on. Most of those accounts are fraudulantly opened in your name in the first place therefore you should not pay and they will gladly close the accounts. They have ZERO leverage over you regarding Fingerhut or Bookclub accounts. Demand it be removed from your credit report because the account was not yours and it will be. NEVER PAY ! ! !

In regards to having an outstanding debt with a bank such as wachovia, wells fargo, compass bank, washington mutual, am south, fifth third, citizens, bank of america, citibank etc. If the balance is anything lower than $300.00, you should simply dispute the account say you will NEVER pay the account and they will remove it from your credit report, this however will not be removed from chex systems. If you need to have the account removed from chex systems so you can open a new bank account or if your account has been frozen, you most likely need to pay or wait 5 years for the bank to remove you. If you choose to pay offer them something EXTREMELY cheap such as paying only 20-30% of what the origional balance was. They would rather take 30 dollars out of 100.00 then having to take nothing and eat what they paid for the account. NEVER PAY THE PRINCIPAL BALANCE. DEMAND Documentation of the account having had been paid off, a SIF (settled in full letter). After 30 days of having had paid off the acount request a second letter, the clause on the bottom of the letter will indicate that if the funds are returned unpaid the letter is null and void. So you want the letter without that clause incase they re-sell the account to another debt collector.

If you mention Attourney General, they most likely will be willing to make almost any deal; they get scared when you threaten them with lawsuit.

Most of the individuals at RJM/ING are extremely stupid, most never went to college and have no goals or anything that will surmount to any worth or value in this world. The three men at top Scott, Neil and Samir are the only ones with any intelligence. Scott and Neil are brothers, their father Ted is the former owner of Plaza associates which is a collection agency in manhattan. To show you the cliber of individual working at this company: Jamie Rozansky is an individual at top she is a former COCAINE ADDICT. One of my supervisors Lauren only had one other job in her life which was at a DRY CLEANERS, yet she was "qualified" to manage people. These are not the best and brightest in america let me tell you.

I only had the job to pay the bills for graduate school and I luckily was laid off. I hope my information serves you well.

Hate them. calling up my phone. telling to pay up now.. no help there..help me out

I am actually paying off an account now that RJM has acquired. The original debt is only 3 years old and RJM was willing to settle debt for 30% less than what I owed the original company. They have been very helpful to me as far as payment arrangements and customer service. Maybe they finally got their act together.

RJM Associates bought this debt from Bank of America and Bank of America closed this account. The amount of this debit was $773.19. Although Bank of America was never on my credit, RJM Associates is and offered to settle the debt for half. Am I obligated to pay them. I want this off my credit report. What can do?

i got a letter from rjm stating i owed money from 2002 from another state i no longer live in, it was from a bank account but didn't come up on my credit score. what should i do?

[Chrys Henderson]

Ask them to verify it (Debt Validation letter).