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MCM...this company represents fingerhut. they have called and sent a letter. I filed bankruptcy in 1999 and fingerhut was included and discharged. I told mcm this and sent them copies of the discharge and credit report showing this. "Mr. Bruce" called me again today. Do you know anything about this company and what is my next step should they persist.




Hi aem, I answered you on the other thread that you started about this. You should go check it out if you haven't read it already. I know you said you already wrote and told them that this debt was discharged in your bankruptcy but I feel that you should write them again and include a copy of any paperwork that you have to prove this to them--again--with a cease and desist included telling them NOT to call you or contact you about this again. Send it certified return receipt. As I said, if you have your proof that this debt was in fact included in your bankruptcy and was discharged, you have nothing to worry about, whatsoever. stay strong. Shirley

Sub: #1 posted on Sat, 02/04/2006 - 17:54

imkimssister imkimssister

(Posts: 1302 | Credits: 780.15)

Thanks. Sorry, I could not find my post, so I did it twice. Thanks again.

Sub: #2 posted on Sat, 02/04/2006 - 18:25

aem aem

(Posts: 4 | Credits: 3.19)

oh no problem!!!!! :D shirley

Sub: #3 posted on Sat, 02/04/2006 - 18:29

imkimssister imkimssister

(Posts: 1302 | Credits: 780.15)

I would just send them a cease and desist letter with a copy of the banruptcy papers where they are listed as a creditor and it was discharged. You should have nothing to worry about. I had a discharged bankruptcy a few years ago and this is what I have done in the past. They can't sell it to a third party collection agency either. You may also want to check your credit reports to see how the discharged debt is listed on there. I had some say it was a write off and not discharged in a banruptcy. It has to be listed as part of the bankruptcy so it is something that you may need to dispute with the credit bureaus.

Sub: #4 posted on Sun, 02/05/2006 - 07:44

Cow & Chicken Cow & Chicken

(Posts: 3571 | Credits: 391.67)

thanks Mishele, it looks like I gave good advice, but you would know more than anyone, you've been through this yourself! thanks for sharing your experiences. Its good that we go through our own financial train wrecks and can come here and try to help someone else who is in the same boat as we were, or still are! shirley

Sub: #5 posted on Sun, 02/05/2006 - 18:17

imkimssister imkimssister

(Posts: 1302 | Credits: 780.15)

aem,

Perhaps you were looking for this one :D

http://forums. debtcc.com/forums/mcm-collector.html

Sub: #6 posted on Mon, 02/06/2006 - 09:20

stanley stanley

(Posts: 1640 | Credits: 23.97)

Oh, I agree Shirley. I have learned so much here.

Sub: #7 posted on Mon, 02/06/2006 - 16:06

Cow & Chicken Cow & Chicken

(Posts: 3571 | Credits: 391.67)

I did send them the proper paperwork showing bankruptcy was discharged, not just written off. They continue to call, so another letter sent certified is in order. My bankruptcy was discharged in 2000. This is the first I heard from mcm/aka fingerhut. I have worked hard these past few years rebuilding my credit. I am doing good, too. Thanks all for your input.

Sub: #8 posted on Tue, 02/07/2006 - 09:10

aem aem

(Posts: 4 | Credits: 3.19)

aem,

No one can start collection activities on a debt that is discharged in bankruptcy. It is considered as a punishable offense. Consult an attorney too and file lawsuit to reopen the case.

Sub: #9 posted on Tue, 02/07/2006 - 09:49

stanley stanley

(Posts: 1640 | Credits: 23.97)

OK...I sent them the paperwork, certified. They claim they never got it. I filed a complaint with the FTC; they said they were going to look into it. They are still calling. What's the next step? My bankruptcy was discharged in 2000. I don't have an attorney.

Sub: #10 posted on Wed, 02/15/2006 - 08:45

aem aem

(Posts: 4 | Credits: 3.19)

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