In oct 2005, I found out about an outstanding debt with MCI via calls from KCA financial. After many calls from KCA, I finally recieved something in writing that gave only an account number and amount. I submitted a letter of dispute and recieived nothing back. KCA says they mailed the details and that I should check with my mail man. They even refused to fax the info. I have since found out on my own that debt with MCI was from 2003 and 2004 and was written off by MCI in Dec 2004 -- all totaling about $200.

4 Questions:
1) What is the statue of limitations for a national / international company like MCI?
2) If I pay KCA now, how might it affect my credit?
The actual debt written off is about $50 less than KCA says I owe. I have a statement I can send to KCA showing this, will this be enough to resolve the descrepancy?
3) I told KCA over the phone that I would be willing to pay via money order or bank check - is this a mistake? (Of course, they told me they wouldn't accept it - that they needed credit card or check payment over the phone.)
4) In most conversations with them (even managers), they have been rude, threatening, demeaning, and actually told me that if I called again, they would have me arrested for harrassment -- even though all I am doing is trying to tell them that I would be willing to resolve this with a money order payment.
Again, this is money that most likely was due to MCI (I had not previously received collections calls or letters from MCI and MCI wrote the debt off in 2004.)What actions should I take?

Statue of limitation varies with different states. So you have to check it with your state laws.

No legal action is enforceable for a debt that is past SOL. But that does not stop collectors from calling you. If you pay a single dime to an expired SOL account, the clock gets restarted and you become subject to legal actions again.

Have you checked your credit report recently? Is this account listed there? How is it showing, charged-off or collection? Both of these are negative marks. You can make it better by paying the amount in full, since it has long way to go to complete 7 year reporting time.

If you find a difference between the actual amount outstanding and that has been claimed dispute it. If they fail to respond to two consecutive dispute letters, you can ask credit bureaus to get this entry removed.

W/e be the mode of payment, make sure that you have records of your payment. Also make an agreement clearly mentioning the account number, amount and other details. MO is fine. It will help you keeping your checking account details secret.

You can talk to MCI, if possible to confirm the current status of your account also.

Just remember, they have the right (if they tell you) to record your conversation....That works both ways...(wink wink knudge knudge)

i would like to know what bills im being charged for and why they appear on my credit report?

beverly richied,

It seems that any of your debts has been transferred to KCA Financial. This company is a collection agency. Since it is appearing in your credit report, you can easily figure out which account are they holding. You can speak to them and ask for DV. It would be better if you send your request through CMRRR.

Or speak to your creditor directly and see if they can help you to settle the account. Keep us updated and ask your queries in forums if you have any.

to respond to someone info not being pulled up by a kca rep, lots of times yur phone co will have lines forwarded into your line w-o your knowledge-dont be so quick to judge that just because they are a collection agency, they are out "to get" you

I bought a business a year ago, opened an account with Verizon using the original shop phone number, and just recently began getting harassing calls from a Chris Mcadams. This guy had my office manager in tears, called me names, and used foul language. I offered him the original owners name and phone #, as she is payingoff all the old bills, but he just kept hammering on me. After a call to Verizon, and a cancellation of some of my services to Verizon, I got a call from Verizon apologizing and telling me they pulled accounts from KCA, and requested the firing of this McAdams guy...then KCA called and apologized. I am still filing complaints with the FTC, the BBB, and with my state congressman...I think there's a class action suit here for the right lawyer.

Dana's Transmissions,

You may like to call a lawyer to inquire if you can get any compensation from them. I think they should pay the penalty for harassing you.

this rediculous accusation about myself for thomas whomever for his transmission store is proposterous; he called me first of all, i answered all his questions and had some of my own i never used vulgarity when speaking to him and am sad to see the someone views themselves as too good to recieve a call from a working man like myself thomas no hard feeling but sir u were out of order on all of those phone calls with your disgusting choice of words for such a simple situation shame on you thomas

I also have had the displeasure of being threatened by this company, both Angel Ramos and the "manager" Paul Heckum for this KCA agencies, are they legit,they are calling me looking for a bill that was paid on time and was never late for an address I moved from over 3 years ago, who can I report this company to.

Janet,

KCA Financial Services is a collection agency. What is the current status of your account? Is it paid in full or holding some balance? Perhaps they are trying to collect the outstanding amount.

You can send them debt validation request through certified mail with return receipt requested. Also add one paragraph stating not to call you any more and mention that you will like to be contacted through letters only.

You can also inquire with your creditors if they will accept the unpaid debt or not. Keep us updated too.

I (on my own) called KCA to pay an unpaid bill with Verizon and they were just biggest idiots ever! I was transferred to a girl who kept telling me other peoples personal business, kept yelling out responses to another worker there while she was talking to me. As well, she would be in the middle of explaining things to me and just put me on hold suddenly without any notice! Talk about SEVERLY unprofessional people. I can't believe we have to give them our money and personal information!

Ali,

Consider sending them letters. Also mention your experience when you called them to work out some solution. Mention the date and time of the call as well. Keep copies of the letter with you and send it via certified mail with return receipt requested.

You may like to contact your original creditor as well. Explain your experience with KCA and try to settle the account directly with your creditor. Keep us posted.

many of the things stated in this forum is general and idiotic in itself.Yes, if you owe money a collection agency will call you.Your job as a consumer is to investigate the debt and resolve it with proof(actual proof) that it has been paid or eradicated by the client.So many people whine that they are being called by a collection agency when they just curse out the collector and fuels that collector to call back-be smart people,get your ducks in a row and utilize our mail system(request confirmation of delivery).Actually explain the problem to the agency without calling them idiots and you might be helped actually instead of being out on hold and ignored-sincerely, a HELPFUL KCA rep.

I have been getting calls from KCA since December on a debt that I do not owe. There's no reasoning with them. Be careful, these people use intimidation tactics (their number comes up on caller ID as 630 usually). Anyway, in my state of MA, collection agencies cannot call more than twice a week. KCA has been calling me sometimes 10 times a day. The calls are documented so if anyone wants to join me in a class action, let me know soon (email ). If not I'll sue them myself.


Email deleted as per forum rules-Vikas

KCA is completely unprofessional and if anyone is filing a class action against them in Illinois, please let me know. They have been harassing me too and whenever I try to have a conversation with me they end up hanging up on me. I have requested that they only contact me in writing and they still keep calling. They offered me a deal to pay off the debt I owed, so I took it, and then they told me the deal was never offered and are still trying to collect more money. It's so frustrating.