OSI Old Collection
Date: Wed, 05/07/2008 - 16:03
Principal due: $544.68
Interest andPenalties Due: $884.85
Collection Fee: $393.56
Administration Fee: $51.02
Total: $1874.11
Hasn't the statue of limitations expired? Are all of the interest and fees legal? Can they intimidate me regarding my SSN being flagged by the Govt.?
Most government debts do not have a sol.I would send them a dv l
Most government debts do not have a sol.I would send them a dv letter and ask for an account history to see what the bill is about.
Yup, this is considered federal debt. No SOL plus they can offs
Yup, this is considered federal debt. No SOL plus they can offset your tax returns.
Got the news today that taxes have been offset. Will OSI work wi
Got the news today that taxes have been offset. Will OSI work with me or will they keep harrassing me for the total payment?
could you send them a dv letter just so you have a better break
could you send them a dv letter just so you have a better break down?
I can do that. Any formatting and structure tips for a dv letter
I can do that. Any formatting and structure tips for a dv letter?
something else you should look into--in a lot of cases, they can
something else you should look into--in a lot of cases, they cannot simply add interest and collection fees--it has to be allowed in the original credit agreement or it is illegal. Remembering when I was in the service, I dont recall any written agreement that was in place when I used the exchange, but then again I didnt use credit for much of anything back then. Did you sign any paperwork on this back in 2000?? If so, you need to obtain a copy and review the terms and conditions. If there is nothing about interest or collection fees in any written agreement you signed, then those charges are illegal. If there was no written agreement, they cannot simply just start charging you whatever they choose, either. In a credit situation they MUST be able to show that you agreed to those terms before they can legally invoke them.
Also, something else seems rather fishy here. You have a federal debt, and the gov't doesnt play around with federal debts--they usually just go after your income tax return or your wages. So why would they need to hire a collection agency? if they are just gonna tap your tax return, there wouldnt be a need for it. Also, you just got contacted by them, which didnt even give you any opportunity to do anything about the debt, and already they hit your tax return.
I would contact the Navy and see who they can direct you to, to even verify that this CA is legally collecting on the debt. That may also help you to get copies of any documents you signed, etc etc.