now I need help...

first change cellphone numbers, get them calling just the homephone, record everything........do believe in Florida, one persons consent is needed only but double check that.

Whats the company name by the way? I'm running several through a good source.

;)

lol, I'm in Michigan, and yep, consent is needed here..

the company is NRC recovery.

I'd actually welcome the opportunity to face off with them in court. If they aren't going to validate the debt, which is a clear violation of the fdcpa, and they've left messages threatening you, what else can you do? I'd be willing to bet there is someone that would love to represent you in this matter.

Admittedly, I'm confrontational by nature. I WANT a good fight. You clearly have your ducks in a row - stick it to them! I'd write them another letter outlining the chronology of events, note the voice message they left, and with regard to "the full extent of the law" comment, tell them to pursue and you'll see them in court.

I hear you..I want a really good fight. I want to call this stupid man and read the part of the fdcpa that says a collector can't make threats.

I want to play, but I don't want to go to their field and play.

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Keep a note of everything like you are doing now. You are an informed consumer, aware of the laws. Given a chance, you need to prove it in the court.

You are safe as long as the CA is not reporting derogative remark in your credit report. They are legally not allowed to touch your file without legit information. If they have any rights, there should be no problems for them to validate the account. Monitor your credit copy regularly in case there is any suspicious activity by the CA and file a class action lawsuit. The company will be asked by the court to compensate for the damages.

atta girl fins! git 'em on your home turf? Then put it to them.......don't settle for a second place trophy! Go in, knock 'em down hard on their butts and go, take them out for good, send the whole bunch to jail if you can.

;)

Yep, this happened right after I moved here from Florida, 11 years ago. I'm going to check on their licensing info. Ironically, their report with the BBB is not TOO bad. Am I correct in thinking that the ball is in my court because of the messages?

So should I call him? :twisted:

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In case you decide to call, the communication will be faster than writing letters. Keep your recording device ready. Check your state law also if it asks for consent of both parties. As long as they can't prove you about the debt, shoot them with your legal rights.

the only time i can think of that the consent may not apply is when threats are being made, no matter the nature and causing you *duress*. Throw 'em a real curveball, inform him your recording your conversations because you are concerned for your personal safety & his actions/language/tone of voice make you think he might be *stalking* you.

Still get that cellphone numbre changed because now, it's gonna be made public. I'll bet A dollar on it!

;)

If that F**k head makes my number public I will sue his ass and have his job.

I'm thinking maybe I could be afraid for my safety, yes... :lol:

Find out what the SOL is in your state. If this debt is 11 years old, it is highly likely that they will not be able to do anything legally to you. I would write a letter and let them know that you know the debt is out of SOL and any further communication will be considered harassment and will be dealt with legally, cc the BBB and FTC. They will go away quickly.

Fins,

Check out buddhibbs.com. This might give you some better information on this collection agency. You might want to double check the SOL in Michigan as suggested by Mocha Latte. This is a pretty old debt.

Thanks guys..I'm pretty excited about this one! :twisted:

This dude has no idea who he's messing with! These messages are unbelievable! I'm glad I've got you guys on my side.

I've never dealt with this one. But they sound like fun. You should call them with the phone system on here so it can be recorded and we can all listen. hehehe

That's a fabulous idea Jess!!

HMMMM..I think I will have to check that out!

Jess, you will appreciate this one, since you know about fake names since Carlos Santana...His name is Mr. Mars.

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I'll bet it is....It's prob. not his name, it's prob. where he is from. LOL

Brownsugar, I'm confused on that too. I guess that's what happens. :?:

Jess, I think that's his name because he's sweet like the candy bar.

From what I understand the SOL is from the ORIGINAL account, not the CA's...But I could be wrong.

And don't put it past the CA's to try to pass one over on you. Plenty of people don't know that they have rights.

Fins-this is what happened to me, almost! I came on this forum a year ago because of a CA threatenting me,LVNV. I have sent DV letter after letter, talked to them, they don't fully validate, just pass it to someone else. This has been a year now!! I wrote everything in my debt validation letter, including the SOL, that they had made threats and harrassing phone calls, etc! It was signed for, and now if they take me to court, I'll have proof of their nasty tactics, no validation, etc. If it's out of the SOL, be carefull if you talk to them on the phone, they can screw it around that you are acknowledging the debt. Good Luck! I'm here is you need me!!..KAren :D

that addy should be budhibbs.com

;)

The date that the debt can remain on your credit report is 7 years from the date of first delinquincy. For example, you have a credit card and your first 30 day late was 01/02 and you never brought the credit card current again and the card was charged off. The account was sold to a collection agency on 07/04, never collected and sold to another collection agency on 01/05. The date that the debt would have to be removed from your report would be 01/09 (7 years from the first date it went into default). Additionally, say your state has a SOL of 4 years, you can not legally be held liable for the debt after 01/06; however, it can still show on your credit report for another 3 years.

Thanks Mocha Latte, that cleared up some things for me. Go get em' fins and keep us updated on your progress.

LOL, thanks you guys!! I've got my guns drawn, this should be a lot of fun!

lol ....... yea buts its is way past sol!

oh hell, I don't even care about that..I just want to make this Mr. Mars's life miserable for the distress he caused me because of the threatening messages!!! LMAO!! I can't wait!

Mocha raises a very good point. I was always led to believe that if a debt had passed its SOL, the only time a collector could call on the debt was if the creditor had made a recent payment, at which case the clock would start ticking again.
I think you have it all over these idiots, Fins. Go get 'em!

Watch out fins, he'll say your harassing him now LOL!

I know, I hope this guy isn't reading the forums.

sic 'em fins!

*chuckle*

Duplicate Content removed as per forums rules - Mike

I have a debt from calvary portfolio (or something of that name) which is over 10 yrs old. They still continue to send me letters to collect. Although it is not on my credit report, but you can see where they check my report once a month, the credit bureu said where they check at does not affect my credit its more like trying to check on my updated info.

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