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.
Linear Mode
