After reading all of the post on here the funny thing is that I got a letter from RJM and they have four opportunity's for me to pay a bill that they claim that I owe insightout book club and the funny thing is that i have not pick up a book since 2000 so why are they bothering me with a bill that they claim that i owe.
what should i do anout this bill they wanting me to pay off does anyone have any answers for me.

[paulmergel]

send them a debt validation letter asap.send it certified mail return receipt.them watch them disappear.

Originally Posted by Anonymous

according to the book club my account was written off from 2005, how long can rjm harass me

Depending on your state of residence, it can be up to 7 years. They can ACTIVELY attempt to collect the debt for that time.

They can only report it for 7 years from the ORIGINAL MISSED PAYMENT date, or last time YOU agreed to any payment arrangements, or made a payment.

Visit

http://www.fair-debt-collection.com/SOL-by-State.html

If they are in the wrong (and aren't they all) find where to report them in your state government.

Write them with the following in BOLD CAPITAL LETTERS "THIS IS NOT IN ANY WAY AN ACKNOWLEDGEMENT OF ANY DEBT, NOR IS IT AN OFFER TO PAY ANY DEBT."

Sommat like this;

Dear Sir(s)

In reference to the recent letter you wrote me on XX MONTH XXXX, concerning account number XXXXXXXXXXXXXX.

THIS IS NOT AN ACKNOWLEDGEMENT OF ANY DEBT, NOR IS IT AN OFFER TO MAKE PAYMENT ON ANY DEBT.

Nebraska Statutes of Limitation :

Real estate or foreclosure mortgage actions; product liability; 10 years.

Foreign judgments, contract or promise in writing, express or implied: 5 Years.

Unwritten contract, express or implied; Recovery of personal property; Relief on grounds of fraud; breach of contract for sale of goods; and open account: 4 years.

Liability created by federal statute with no other limitation: 3 years. Malpractice: 2 Years.

NOTE: SoL can be interrupted by partial payment or written acknowledgement of debt. The statute starts to run anew from the date of the partial payment or written acknowledgement, (Neb. Rev. Stat. §25-216)

NOTE: Actions on breach of contract for sale may be reduced to not less than one year.

>>>THAT FIRST NOTE: IS WHERE THEY ARE TRYING TO TRIP YOU UP!<<<

I have notified my state regulatory agency that I believe that you are in violation of said statute, and have asked them to investigate and prosecute as necessary.

If you continue to attempt to collect this debt, I will forward this to an attorney for lawsuit.

Sincerely,

John F. Doe

Along with the obligatory "prove it" letter.

Makes scum go away really quick.

Nebraska will bug the shit out of them if they are wrong.

Hello,

I received a letter today from RJM saying my last payment to a bank was in March 2006. They are giving me the option to pay in full with a 50% discount. I am willing to pay the full amount but how do I ensure that I stay away from the "double credit" or these type of settlements that require a 1099C form, I am confused!!

[paulmergel]

for one RJM is a bottomfeeder.send them a DV (debt validation letter) first.send it certified mail return receipt.on the chance they can validate.then the 1099c comes into play when the amount forgiven in settlement exceeds 600.00.i would make them prove a couple of things.

1)you owe the debt
2)they have legal right to collect

again this is a bottomfeeder.make them validate the debt,then get an address to send the money.

Originally Posted by Unregistered

After reading all of the post on here the funny thing is that I got a letter from RJM and they have four opportunity's for me to pay a bill that they claim that I owe insightout book club and the funny thing is that i have not pick up a book since 2000 so why are they bothering me with a bill that they claim that i owe.
what should i do anout this bill they wanting me to pay off does anyone have any answers for me.

That is over the limit of 7 years being on your credit. I would dispute to the credit bureau that its listing in

Just got a letter from these jokers. They want my ss#. This debt isn't even mine. The accnt # from B of A was never mine. They won't take my phone call without my ss#. SCAMERS!!!!! I've had my ID stolen a couple of times and these guys are trying to do the samething!! Don't fall for it people!! ID theft sucks!!

I've paid off several old accounts with RJM recently, and they were awesome! I was able to pay off over 1k in bills, for just over $300 ... not bad!

[paulmergel]

shillin,shillin,shillin.keep them shills a shillin.

I have a letter from RJM claiming I owe a debt to Compass Bank for overdrafts. I have never had an account with Compass Bank or any of the banks they have purchased. I'm trying very hard to improve my credit, can this scam actually negatively impact my credit?

My husband and I have a debt from a bank account we were both on but we both get letters from RJM stating we each owe $1000 but the amount is $1000 total not $2000. I noticed as well that we both have the $1000 debt on both of our credit but what I don't get is if I pay it off will it remain on my husbands credit, or vise versa? How can they be billing both of us for the same amount? I dont know what to do?

[paulmergel]

send DV letters from both of you.chances are they can't validate either one.maybe an ethical CA can contact you after they sell it off.send the letters certified mail return receipt.also one of you dispute the debt on your CR.

RJM ACQUISITIONS LLC
ATTN SCOTT MATTE (President)
575 UNDERHILL BLVD STE 224
SYOSSET, NEW YORK, 11791

Scott D Matte (Wife name is Cynthia F Matte)
info deleted


Samir Shah (Wife name is TIFFANY SHAH)
Director
RJM Acquisitions LLC
info deleted


info deleted

we do not condone giving personal info.yours or somebody else's.paulmergel

These cock$ucker$ say I owe a bank with an account # that I have never had!! lmao

They make stuff up and EXTORT U.

Thats very nice..i'm vwery happy you had a great experience... BUT they still extort the rest of us.

Originally Posted by Anonymous

I've paid off several old accounts with RJM recently, and they were awesome! I was able to pay off over 1k in bills, for just over $300 ... not bad!