SIMMS Associates

Many times collection agencies will run a credit check on you to determine how well off you are so they can get an idea how likely it is that they'll get you to pay.

However recent legislation enacted only lets them run credit checks for collection accounts where credit or a type of loan is involved.

Are you sure they tried to apply for credit, or did it just show up as an inquiry?

It was in the inquiry section and this is the exact wording, "An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times in the 12 months since the date of this report that a lender has checked your credit at TransUnion. These inquiries appear because you applied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurt your FICO???? score."

Thanks,
RobertD

They were checking your credit report to see if they could play hardball with you.

What type of debt is it?

I posted a question on 12-31-07 in the other forum subject on SIMM Associates. You were kind enough to respond and told me I should send a "Cease Communication Letter" letter. I am not sure of the format but I am going to send them one as soon as they send me a letter and I have their case # and address. I hope it happens soon. I am in and out to sea often as I am in the US Navy.

Thanks,
RobertD

Where you a cosigner on that lease?

Yes, I was the cosigner.

RobertD

Was there any type of decree in the divorce that released you from it?

It was a quick resolve divorce. It was never stated in the decree.

RobertD

Did the judge make a ruling on it though?

A quick resolve divorce in California for those who have not been married for more than two years does not require it to go to court. However, you were telling me in the other topic on SIMM Associates that the SOL for CA is 4 years. I don't think that have a leg to stand on or do they?

RobertD

Certainly not, 4 years without payment and SOL is done. But if either of you pay on it, it starts the clock over and either of you could be sued as you are a responsible party (as a cosigner)

Thanks! Is there a special format I should use to tell them to cease communication?

RobertD

Here is a template under the do it yourself section of this site:

Thanks! I'll take care of this as soon as I have their address.

Thanks,
RobertD

I can't seem to find an address for them. They are required to give you an address, it's under meaningful disclosure covered by fdcpa.

That's cool. I am sure they will send me a letter soon demanding payment and I will be able to get their address then. Thank you for all of your help.

Thanks,
RobertD

Your welcome, that's what I try to do. I'm just glad I could be of help.

Take care

I work at simm associates. any ??'s

Is it common practice for your agency to sue on time barred debts and hire attorneys that perjure themselves on civil complaints? I viewed a copy of the original poster's complaint/summons and it is full of holes. You may wish to inform your superiors to be more careful of who they choose for their legal council.

i had been making payments on an account and due to some fradulent activity on my bank account so i had to get a new bank account set up and i was advised not to let any agency remove money from my bank account, i was then trying to continue making payments to simms on a regular basis they have refused to give me the mailing address? they have called my job and spoke with my boss regarding my personal bill, i am livid and would like to take legal action, if not how can i get my bill paid to the credit card company without going through credit agency?