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B-rad · Posted: Wed Apr 23, 2008 6:45 pm Subject: I reported them too

These guys called me after 9pm and refused to ID themseleves when I called back. So I got online and found this posting. Thanks for the info! Someone has fradulently opened a Macy's account in my name and I told the company this in writing. When I told the rep I was reporting them to the FTC and attorney general they immediately gave me a supervisor who was the nicest guy in the world, big suprise! These guys must have lots of complaints. Keep reporting these folks!

kehoe · Posted: Wed May 07, 2008 11:15 am Subject: Omni

Hi. I am so glad I found you guys. These people are calling me for Macys which is understandable because I defaulted on the payments because of cash flow issues. They are trying to force me to pay monthly payments than I can afford. What can be done. I am only able to pay them $250 but they want $500. I told them if I could do that I wouldn't be talking to them I would still be talking to Macys. Is it against the law to continue sending payments to Macys directly?

Guest · Posted: Wed Jul 30, 2008 10:04 pm Subject:

Are some people on here not reading carefully enough to see that most of the people they are calling and harrassing DONT owe them money???!!!

Guest · Posted: Wed Jul 30, 2008 10:05 pm Subject:

Are some people on here not reading carefully enough to see that most of the people they are calling and harrassing DONT owe them money???!!!

CynthiaG · Posted: Thu Aug 28, 2008 12:35 pm Subject: Harassing phone calls

This info is valuable. I actually filed Bankruptcy and it was already adjudicated with a final Discharge order. Does anyone know if a collection agent can call you AFTER the bankruptcy is over? I know they can't call while it is still pending.

Posted: Thu Aug 28, 2008 12:43 pm Subject:

If your bankruptcy case resulted in a discharge, then all creditors with notice of the bankruptcy are discharged and collection on their claim is barred. A frequent problem is that creditors sell their uncollectible debt to other companies, without sending the information that the debt is discharged in bankruptcy.

Generally, if you provide the collector with a copy of your discharge and a copy of the schedule listing the original creditor, they will cease collection. If they don't, they leave themselves open to an action " lawsuit " by you for damages and attorneys fees.