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These jerks sent me a letter a couple of months ago, I responded with a debt validation and 'do not call'. They called today (it is for my husband's account). They did not ask who I was, just asked for my husband by name. I told them he was not here. She asked for a number to reach him immediately. I told her he is at work and I cannot give out the number, but if she could tell me what this is regarding, I can get him a message to call her. She still did not ask who I was, but her response was "Just tell him if we do not hear from him by noon tomorrow, we are proceeding with the lawsuit". Can you believe she said that?! She has no clue who she was talking to. Shouldn't that be against some privacy law, what if that was a babysitter?

So, is this just a load of crap, giving us until noon tomorrow? They never even validated the debt. I emailed Ed Combs, and am faxing them the letter tomorrow, since it does not even mention who the original creditor is or an account number.

I am so tired of these people.

Posted: Thu Mar 02, 2006 4:27 pm Subject:

I am so sorry you are going through this. What a pain! I can't believe they have the guts to call and threaten you and your husband like that. You hit the nail right on the head, what if you were the babysitter or housesitter? It seems like that is invasion of privacy or something. *grrrrrrr*

~Mary

Posted: Thu Mar 02, 2006 4:31 pm Subject:

Yeah, I am definitely calling that Ed Combs attorney after we fax him that letter tomorrow, because I am really mad now.

Posted: Thu Mar 02, 2006 4:32 pm Subject:

By the way, how do I find out if this is a regular law firm, or if their main purpose is debt collections?

Posted: Fri Mar 03, 2006 3:40 pm Subject:

I faxed the letter to Ed Combs today...we will see what happens. I might call them Monday.

Posted: Fri Mar 03, 2006 6:04 pm Subject:

TMD,

This firm is listed as Collection Agency with BBB. So they are debt collectors I think. You can search for their profile with BBB. Keep us updated.

Posted: Sun Feb 18, 2007 5:47 am Subject: Dealing with these guys too

I am dealing with this law firm too, on a CACH account, which was a providian account. I got a call about a year ago from CACH, they stated that they have the account and that they would settle for one $800 payment. I could not come up with that and was worried they would sell the balance off to another company because they could not assure me that the account was paid in full. I come home a few weeks before christmas and find a sheriffs note on my door that he had papers to serve. I went to the sheriffs office to pick them up, no sense running from it. I am not going to Mexico anytime soon, lol. So they filed paperwork to initiate a lawsuit against me at our local prothonotary office. I called and verified with the courthouse, it is legit. so I faxed a debt validation letter to each of them, the attorney and CACH, mailed it and they will get it certified next week. I initially offered to pay them the original debt, they refused and this is the steps they are taking. I am doing tons of research now on junk debt because of this account being so old. It is like 10 years old. I wish I understood the statute of limitation more in Pa. I will be contacting the Attorney Generals office to better educate myself on this. Does anyone know how long junkdebt can be collected on?

Posted: Sun Feb 18, 2007 7:23 am Subject:

It really depends what the SOL laws are in your state. When was the last time you made a payment on this account? I take it you are referring to CACH LLC? They contacted me in December regarding an HSBC account of mine that got charged off due to debt settlement. It was actually the law firm of P Scott Lowery who has a terrible reputation. There are a bunch of law firms in the CA cycle of theirs. They have never validated the debt so I am sending a follow up letter this week. I would call your AG's office ASAP to find out more about the SOL laws in your state. I have been sending payments to the original creditor and it's almost paid off now. I just want to cover my butt on this issue.

Posted: Sun Feb 18, 2007 8:14 am Subject: I am going to

I am going ask the attorney generals office about the SOL in Pa and then pursue a complaint against them on this.

Posted: Wed Feb 21, 2007 4:53 pm Subject:

Yeah it is through CACH, it is a providian account, I called providian to see when the last time I made a payment. They told me September of 05, I know this is a lie. I am writing them and demanding a full statement of the account. I think they put a payment on this account to put it in the sol. I haven't paid on this account for well over 8 years. Has anyone ever had a company post a bogus payment to get the sol with in limitation?

Posted: Wed Feb 28, 2007 8:44 pm Subject:

Update, got another letter from them telling me that I have 10 days to file a notice to defend. I am contacting an attorney tommorro. I don't want to pay out the yingyang, but I don't owe all this money they are saying I do. In the first correspondence they offered my payments if I signed the judgement by consent. After I sent a letter disputing the amount, the lawyer sent back another letter stating they do not accept payments only payment in full. Why would they offer it in one correspondence and say they don't in the next. Think they just wanted my signature. That would have been to easy and I don't like the amount they are requesting. So we are at it again.

Posted: Fri Mar 02, 2007 6:37 pm Subject:

Just filed my notice to defend today, the prothonotary's office told me that I did a great job on my own. Even entered my exhibits, 1, 2 & 3, LOL. They sure the heck was not gonna win by default. I am sending everything to a lawyer next week to see if I have a counter claim.

Posted: Fri Mar 02, 2007 9:15 pm Subject:

If they created a false payment to affect the SOL, sue their asses off!

Posted: Sat Mar 03, 2007 12:38 pm Subject:

I swear I did not make this payment, I have to wait till I get the statement from them to see where they are coming up with the payment. somebody told me the other day to access the account on line, I am going to try, but I doubt it, since it is so old and they sold it.

Posted: Sat Mar 03, 2007 12:44 pm Subject:

Along with the court paperwork from cach was a copy of the old bill. It is still listed in providians name, there is no transfer of ownership to cach. How can they collect for a debt that they don't own. Or don't they have to prove to me that they own it? Everything they sent regarding the account still has providian on it.

Posted: Sat Mar 03, 2007 1:05 pm Subject:

Although CACH hasn't been sold the debt, has it been assigned to them (a contract for collections)?

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