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I suspect a Collection agency is calling my friend's house 1-2 times a week asking for me. My friend tells them I do not live there. (I don't know what gave those people the idea to call my friend) The caller is Riverview Asset Management. 866-620-5498
I called the number my friend provided, and that's who it was, and got a recording saying they were assisting other people, and for me to hold. I hung up. I don't believe I owe a debt, except one for over $5,000 to a doctor, and I have an agreement to pay them $40 a month, because I am on disability. That debt began in 2001. Also, I just checked my credit report, and did not find any collection agencies on there. I had a fair score, too.

I have a mental illness, and I have anxiety and depression. I am afraid to contact the agency myself, because I am afraid what they might say.

Why are they calling my friend, asking for me? If I owe a debt, the one I owe the debt to should have my mailing address and phone number, because it hasn't changed for over 20 years. Why won't they contact me at my home, instead of pestering my friend?

I told my friend when they call again, to tell them to stop calling.

Thanks!!!

P.S. as far as I know, I have no other debts,(I don't receive any bills that I do not pay) and I do not have a credit card, use Tracfone, and live with my father, so I have no assets. I am on SSDI.




I found this on the BBB site

Name: Riverview Asset Management Service
Phone: (314) 843-1911
Fax: (314) 843-9867
Address: 11017 C. Gravois Industrial Pl
Saint Louis, MO 63128
Original Business Start Date: January 1996
Principal: Mr. Tom Stevens, President
Customer Contact: Mr. Tom Stevens, President - (314) 843-1911
TOB Classification: collection agencies
BBB Accreditation: This organization is not a BBB Accredited business.

Ask your friend (or you could do it for him) to send Cease and Desist Letter. Be sure to include the Phone number that they are calling and that the person they are trying to reach does not live at this address.
There is a template in the Do it yourself link above.

Sub: #1 posted on Sun, 06/01/2008 - 04:50

mommontoya mommontoya

(Posts: 501 | Credits: 49.84)

To start with, I deleted your other thread for you. No big deal.
Now, if they continue calling your friend's house looking for you [they likely will], then your friend needs to send them a total cease-and-desist letter. It's real simple, and it goes like this:
signed]??
The letter needs to be sent certified mail, return receipt requested, so your friend can prove they got the letter. Once the CA gets that letter, they are bound by federal law [fdcpa] to stop calling your friend, period.
Now... You really ought to call them and find out what their thing is. Don't give them any information, just identify yourself, and ask them why they're calling. You want the name of the creditor, the amount they want, and their mailing address. That's all. When you have that info, hang up. If they won't give you that info, hang up anyway, and let us know.
Once you have the info, plug it into this letter template. Be sure to include the enclosure, and send the whole works CM/RRR. That will stop them from calling you, or sending you anything by mail unless and until they provide validation of this supposed debt in writing. [They can't validate if it's not yours, and likely not even then.]
If you just really cannot bring yourself to call them, we can work around that, too. In the letter template where you see this line:
??????????????
Change it to read like this:
??????????????
Get it together, and send it out in tomorrow morning's mail. Here's their address, lifted from their [shoddy] website:
Riverview Asset Management
Also Known As R.A.M.S
11017 Gravois Industrial Plaza, Suite C
St Louis, MO 63128

Sub: #2 posted on Sun, 06/01/2008 - 04:51

unclewulf unclewulf
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(Posts: 3173 | Credits: 314.27)

Be sure to send the letter by certified mail with a return-receipt required

oops! Talk about great minds :D

Sub: #3 posted on Sun, 06/01/2008 - 04:55

mommontoya mommontoya

(Posts: 501 | Credits: 49.84)

Thanks,I will see what happens. I am not sure if i can muster the courage, and I feel that it's not fair they are doing this to my friend, yet will not contact me directly. If I can get the courage, or when it happens again, I may just call them.

Sub: #4 posted on Sun, 06/01/2008 - 05:47

markofkane markofkane

(Posts: 182 | Credits: 12.07)

There's always this option:
????
And their address is posted at least twice on this thread. It's important that this letter go out as soon as possible. If it waits past thirty days, the CA can just assume that whatever crap they have is valid. That really makes it harder to resolve.

Sub: #5 posted on Sun, 06/01/2008 - 06:44

unclewulf unclewulf
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(Posts: 3173 | Credits: 314.27)

OK, I'll see what I can do. I tried calling, but it was just lousy music and I waited several minutes. What should I say in the letter? Something like:
"I was wondering why you keep calling my friend, instead of contacting me directly. If I owe anything, you should already have my address and phone number. I am not aware of any debt that I am not already making payments on. Thank You"

Would that be OK??

Sub: #6 posted on Sun, 06/01/2008 - 10:09

Unregistered


Guest- look at unclewulfs' post above yours, it gives you a template for a letter and exactly how to word it.

Don't put in a letter what you just posted you were going to. You don't want to give them any wiggle room saying that you are acknowledging the debt, beforeyou even know if it is a valid debt, or that they are the ones who are supposed to be collecting...Good Luck.karen

Sub: #7 posted on Sun, 06/01/2008 - 10:21

Bossy4455 Bossy4455
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(Posts: 5854 | Credits: 743.2)

listen to bossy,use wuelf's letters.do not admit anything until validated in writing.judging by the calls to your friend,they would do the same to you.you don't want that do you?send the letters as instructed by wuelf.cretified mail return receipt.

Sub: #8 posted on Sun, 06/01/2008 - 10:24

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1255.27)

[quote=Guest]OK, I'll see what I can do. I tried calling, but it was just lousy music and I waited several minutes. What should I say in the letter? Something like:
"I was wondering why you keep calling my friend, instead of contacting me directly. If I owe anything, you should already have my address and phone number. I am not aware of any debt that I am not already making payments on. Thank You"

Would that be OK??[/quote]


There is a template for a strong-arm debt validation letter right here. I would really suggest that you make use of it. Customize it to fit your situation, and send it out CM/RRR, tomorrow morning. This is a tried and true letter that's worked well for many members of this forum, including me.

Be sure to include the enclosure, and do not sign your name unless you fancy seeing it on forged documents at some later time. Just type your name at the end of the letter.

Sub: #9 posted on Sun, 06/01/2008 - 10:28

unclewulf unclewulf
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(Posts: 3173 | Credits: 314.27)

If I may add:
Please be sure to state in the letter the phone number that you do not want them to call anymore. Do not mention your friends name cus it seems all they have is your name and his number.

Sub: #10 posted on Sun, 06/01/2008 - 15:31

mommontoya mommontoya

(Posts: 501 | Credits: 49.84)

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