please help....-

I don't even know where to start. This is so beyond anything even remotely evil! You should take all the documentation you have and take it to the police and file harassment charges against this guy..that is what I would do.

Hell, I would sue his butt sideways while I was at it.

I would also send him a DV letter even if he is your ex. He has to provide you with DV or stop all collection efforts.

would that not be a conflict of interest being he's your ex trying to collect from you on a purchased debt? Can anyone say Creeeeepy....

I'd be cautious to write stuff about him though....he seems the type to get you on slander as well...something else you don't need at this point.

what about the SOL up there??

Hang in there girl..you've hit bottom..now it's time to rise to the top. Being that you are a mom, I have nothing but faith that you are strong and will come out of this even more empowered!!!

Here is some AK info:(just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Quote:

hi--

i came in early this morning from work and read your thread then....and while i really wanted to respond, I just needed some sleep first!

WOW.....just WOW.....

OK, heres the first thing you need to do ASAP--you need to gather together all the documentation you have about the wage garnishments he has put against you. Gather all of it together, you will need to show every garnishment and the total amounts taken each time. Then you need to contact the Federal Trade Commission IMMEDIATELY and file a formal complaint. From what you have said, this is VERY illegal and the FTC doesnt play around in cases like this.

You will also need that same proof because what you should do is file suit against him for that money back. If there was no court hearing, and you were not sued on any debts that he was collecting for, then you have a VERY good case to get a judgment against HIM.

Finally, the debt he bought on you, well, he is well outside the statute of limitations on that debt. the statute of limitations in your state is either 3 or 6 years depending on the type of debt it is....so from the 1990s is well outside that. Unless he has taken you to court and won a legitimate lawsuit he cannot garnish anything legally. Since he has played like this with everything else, you really should check to see if a lawsuit was filed against you. With what youre describing, I wouldnt put it past him to file suit and have you served at a wrong address so he could get the default judgment. Check with the court clerk in your county, and it wouldnt hurt to check in any other counties where you may have lived before too.

Above all, gather together any documentation you can--paystubs, anything-- and call the FTC right away!

oh, one more thing--you mentioned that he is ruining your credit report with that old debt. it is well past the reporting time for this debt, by federal law it can no longer be reported on your credit file. the time goes from when it first became delinquent, and it can stay on for a total of 7.5 years from that date, so if youre telling me it was past due in 1996, theres no way in the world that it should still be showing up on your report. Pull your credit reports, all three of them, and tell us how it is reported there. I would dispute this with the credit bureaus ASAP telling them that this debt should have fallen off your credit report five years ago....