I just received my chapter 7 discharge on March 12, 2007. In a notice dated March 30, 2007 RJM acquisitions informed me they are my new creitor. It's a $110 bill from Fingerhut and shows the last payment received was January 31, 1996.
I've never ordered a thing from Fingerhut. I also saw on my report that was included in my bankruptcy tha RJM had 2 book clubs listed as in collections.

#1 The debt is over 11 years old.
#2 I filed bankruptcy and am protected from creditors coming out of the woodwork with old debt like this.
#3 It's ELEVEN years old!

I think they are bogus and PLEASE! DONT GET CAUGHT UP.

RJM Acquision put a 6 year old debt collection which my wife has file bankrupcy and was settle on my credit report to enable Randy Aurich mortgage direct inc to get away with the 6% interest rate he offered me in writing. they work together to rip people off.

[Law Student]

The SOL has probably run. Also, if this debt was discharged in bankruptcy, it would mean a great deal of trouble for RJM. I would consult with an attorney. By reading posts here, I can see that RJM is also fond of trying to collect in states in which it is not licensed.

Does anyone know what the statute of limitations is for debt collection? I just got one from them for $600+ for something I ordered from fingerhut back in 1997!! I moved out of the country in 1994...what kind of crap is that?

[fedupinpa]

Got a letter from them for a debt we don't even think exists, if it does it must be over 20 years old. Then just this week another one that is over 10 years old, I don't know if it is valid either, I sent them a SOL letter on both.

I Just recieved a "Bill" from this company RJM. I am beside myself with worry and wondering what is this!
They want $1,968.85. Now I have to take precious time to call, write letters and investigate this charge. I keep a tight reign on my finances, being a small busines owner and purchasing several homes through the years, I have kept my credit in excelent standing.
Thus begins the investigation I find myself Here.

[fedupinpa]

Dispute the alledged debt, they are buying up all types of old credit. I think they must have gotten a bargain buy on some of it, it is way to old to collect on. It is nuts the stuff I am recieving from these guys. Don't even know what half of it is, disputing it all and not paying a dime.

The same thing happend to me I got a 9 year old bank overdraft of $65.68 and it says they'll settle for $39.40. So I sent the money in on monday and I have not contacted them yet but I plan to on Monday. I hope they tell me that I can open a bank account with that bank because I actualy went to the bank and they told me that I could not open an account because of that debt.

Just want to know if this RJM Acq LLC is Legit. They sent me an offer to pay the debt At 50% Discount, Now has anyone had a problem with them keeping thir word. and have they recorded and kept the credit report agencies up to date?

RJM is trying to collect from me for someone who doesn't even live at my address or is related to me. If they say it's for a book club that's horse shit, I only read Playboy!

These dumb ass people call my house all the time and have been told over and over they have the wrong number. Now their sending bills to my house, can you say harrasment? We need a class action law suit against them. It's time to SUE THEIR ASS!!!!!!!!!

DON'T GIVE THEM A PENNY THOSE STUPID F@*KS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!

[Law Student]

RJM is a joke. Lately they're trying to collect on debts from as far back as the early 1990s. They rely on the fact that most people don't even know about statutes of limitations, etc. They expect you to send some token payment and thus re-start the SOL. Don't be fooled by the "50% discounts" etc. They expect you to take advantage of this, so that they can take advantage of you by re-starting the sol and coming after you for the entire amount. RJM is not even licensed in several states where it is operating as a debt collector. Report them to your state AG if they are unlicensed, and tell them you are filing a complaint in a court in your jurisdiction against them, should you hear from them again.

I got a letter from RJM and was going to pay it because it is a debt I know I have but it sounded a little strange with the gift offer and stuff. Should I go ahead and pay it? What is the SOL factor? And how do I find out the laws in my state?

[Johnson4485]

Hi Bethann

Have you gone through all the details mentioned in the letter? If it is correct and you are sure that the RJM is authorized to collect on the account, pay it off.

SOL is calculated from the last payment date done on your account? Every state has its own statutes. You will find all the info with your state attorney general's office.