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Date: Wed, 07/21/2010 - 19:12

Submitted by anonymous
on Wed, 07/21/2010 - 19:12

Posts: 202330 Credits: [Donate]

Total Replies: 3


ok so i was just contacted by this company whom i have never heard of...about a credit card that my husband had back in 04, it has been charged off and they are stating we own 10x more then what shows on our credit report, threating to garnish wages, lein on our vehicles ect...sad thing is this shows as a charge off on his credit, and not one time have we ever recieved anything?? can they do this? is this legit? HELLLPPP seriously stressed=[


Unregistered:

1) this CA is probably a collection agency; and there threats at this point can be considered illegal under Fair Debt Collection Practices Act.

2) Soap lady is right.

3) Credit Card companies have to charge off debts after a certain # of days, by law.
That is why the credit report is showing charged off.

Collection agencies buy thise charged off debts, then try to collect and make money. Next time the call comes in:
1 - state you don't discuss financial matters by phone unless you initiate the call and BE FIRM

2 - Ask her to send you a statement, and you WILL respond to it!

3 - If they keep going restate 1 & 2 above then hang up!!! You will be a basket case heap on the floor if you don't.

I have a letter you can then send them as promised, to respond to their statement. It's called a Cease & Desist. Go away and leave me alone. It can also be tweaked to state the SOL or Statute of Limitations has passed etc.

For this letter and more information, please contact me at DELETED..PM
I am not an Attorney, but I have fought 2 lawsuits on my own without an Attorney. I know Consumer protection laws well, and have helped others with these situations, with favorable outcomes. I cannot legally advise you - but I can tell you what I would do, if it were me in a situation; as the one you contacted this forum about.

My answers above are what I do, if I ever pick up and it's one of them!!! My email above is exclusively used to help people, and separate from personal email accounts. I believe in privacy and confidentiality. I treat others personal information as I want mine treated - no exceptions. Please contact me immediately, as I know I can help you!

no you can't and won't as evertime you post your email which is against TOS rules.it's deleted.btw you are also not registered.


lrhall41

Submitted by on Fri, 07/23/2010 - 11:19

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