I had forgotten about a debt to a certain company. During the transaction, I noticed they had an address and telephone number (probably from my credit report) that was 15-20 years old. I informed the salesperson and credit person to correct the information. I never got a bill from them.
then recently I started receiving calls from National Enterprise System (NEC).
when I inquired about who I owed a debt to and how much, the collector stated an amount about double what I had made a transaction with that certain company.
I was told I owed a original creditor whose name was "Credit Bank".
When I told them that I did not owe anyone that amount, the collector and supervisor both asked me how much I owed.
A ploy to get a figure out of me to agree to pay.
I do not deal with third party collectors. I owe my debt only to the original creditor and will pay only that creditor.
I have sent return receipt a Cease Communication and a Debt Validation Letter (in one envelope).

Never give out your or others phone numbers, social security numbers, Bank numbers or credit card numbers, addresses, or any other personal information to anyone over the phone.

Deal with your original debt with the original creditor.
If they refuse to accept your payment efforts.(the amount is totaly up to you), then they are refusing to accept payment and threfore; validating that no debt is owed.
They can not tell you that you must make payments to a third party. if they do, file a dispute with the 3 credit reporting companies and explain what the circumstances are of their refusal to accept payment for the debt they are claiming.

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There are a few holes in this post.

So why would you say "communicate with me" in one letter and "do not communicate with me" in another?

This is not true. If you can pay the original creditor, then how would it get to collections anyway? The original creditor will simply forward your payment to the collector (they have to). Creditors are required to charge off in 180 days after default. They *do not* have to accept your amount. They *can* tell you that you must make your payment to a 3rd party.

As far as collections, you may not "fall for it", but don't expect the courts to "fall for it" when you present such "defenses" as the above after the collector sues you because you are not willing to work with them.

So, if the alleged debt referred to an address that was "15-20 years old" then it is probably a scam calling you pretending to be a collector....

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__________________
FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.

One thing you should always do in addition to getting information about your rights online, is to do a bit of research on the actual collectoid mutts who are humping on your leg. (in this case, National Enterprise Systems) I just found the most heartwarming tidbit from the Charleston Gazette. Seems the Ohio State Attorney General has really lost his patience with these scum and their tactics and late July made it official by slapping them with a massive lawsuit! Just enter “State attorney general sues Ohio debt collector” into your search engine and get ready for a good laugh. It is said that snakes never sweat, but this just might do it! Most of the violations mentioned are the same type which have lead to the permanent shutdown of several other collection companies including Camco and Final Asset Locaters. That pig-eyed sack of pus, Ernest Pollack who owns this zoo of bottom feeders is also listed as a defendant (Come to think of it, the automated calls to our number abruptly stopped right after the story broke, anyone else notice this?)
The story doesn’t seem to print directly off the screen, but you can mouse-scan it and copy it into a Word document with good results. It made a great cover-letter to the Cease And Desist order I served these vermin with! The article goes on to say that anyone else wishing to add their own online consumer complaint to the huge list already against NES is encouraged to do so and provides a link for this purpose. Sounds like a party we could all go to! No word yet if the feds might get involved in this one, but if so, it could lead to NES being shut down for good (We can only hope) We don’t owe these filth a dime but they couldn’t care less, the one they are looking for is a similar name that is no relation. By the way, there is no 555 area code anywhere in the entire U.S. so their origin numbers are either offshored, bogus or most likely both.

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