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RJM Acquisitions LLC - a possible scam?

Date: Tue, 05/11/2010 - 10:24

Submitted by Angeldove
on Tue, 05/11/2010 - 10:24

Posts: 225 Credits: [Donate]

Total Replies: 7


A friend of mine, recently received a bill from RJM Acquisitions saying they had purchased their account from Target. They say the account was opened in 2002 and that they, (RJM) purchased it in 2005.

My friend says they never had an account with Target, but they did at the time have a roomate that I'm just wondering if they could have done something in my friend's name. I know she also had some personal items stolen from her during this time.

This would be in Georgia with a SOL of 4 years for open accounts and 6 years for written. I know we need to send a debt validation letter, but should we also at the same time mention that even "if" this debt proves to come back in her name (and should we mention it could because of the roommate scenario) - that it is beyond the date of SOL? Or do we just go with the validation of debt at this point?


Quote:

Originally Posted by Angeldove
A friend of mine, recently received a bill from RJM Acquisitions saying they had purchased their account from Target. They say the account was opened in 2002 and that they, (RJM) purchased it in 2005.

My friend says they never had an account with Target, but they did at the time have a roomate that I'm just wondering if they could have done something in my friend's name. I know she also had some personal items stolen from her during this time.

This would be in Georgia with a SOL of 4 years for open accounts and 6 years for written. I know we need to send a debt validation letter, but should we also at the same time mention that even "if" this debt proves to come back in her name (and should we mention it could because of the roommate scenario) - that it is beyond the date of SOL? Or do we just go with the validation of debt at this point?


if you can prove it's past SOL.then a complete C&D letter stating that fact should do the trick.make sure to send it certified mail return receipt.


lrhall41

Submitted by paulmergel on Tue, 05/11/2010 - 10:42

( Posts: 15514 | Credits: )


Thanks, Paul! Since she has no knowledge of the debt and would not know the last date of activity, I kind of combined a debt validation and a SOL letter. What do you think about something like this?

Your Name
Your Address

Collector's Name
Collector's Address
Date


Dear Collection Manager,

Re: Account Number__________

This letter is in response to your letter dated [__________] (copy enclosed) regarding the collection on the debt account given above. Please note that I am responding before your deadline printed on your letter of ______________, 2010.

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.

Please attach copies of the following documents:

1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

I do not believe that I owe this debt and therefore I dispute this account.

I did however, during the time in question, have some personal items stolen and there might be the possibility that my information was used to open this account. I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. Even if this account was opened in my name, I'd also like to inform you that I have checked with my State Attorney General and verified that the Statute of Limitations for this type of debt through the courts in Georgia has expired. If you intend to take this issue to court, I shall inform the court of my dispute of this debt and that it is beyond the Statute of Limitations.



Yours truly,

Your Signature
Your Name


lrhall41

Submitted by Angeldove on Tue, 05/11/2010 - 11:31

( Posts: 225 | Credits: )


Thanks, Paul! One more question came to mind and I think I will have everything covered. Should they be reminded in this letter that if they have reported this debt to the credit reporting agencies, that this is their notification to remove the debt? I don't know quite how to word it. Or is just not receiving any more notices or anything from them enough? Is the SOL grounds enough for them to remove it or for her to tell the credit reporting agencies that it is past SOL and get it removed?


lrhall41

Submitted by Angeldove on Tue, 05/11/2010 - 12:53

( Posts: 225 | Credits: )