Complaint Review: AllianceOne Receivables Management Inc.

The easiest and pretty much the only way you're going to get that off your cbr is to press charges against your ex-wife. Then, allianceone won't call you anymore.

The easiest and pretty much the only way you're going to get that off your cbr is to press charges against your ex-wife. Then, allianceone won't call you anymore.

The easiest and pretty much the only way you're going to get that off your cbr is to press charges against your ex-wife. Then, allianceone won't call you anymore.

The easiest and pretty much the only way you're going to get that off your cbr is to press charges against your ex-wife. Then, allianceone won't call you anymore.

"Benderover",

It is important to actually know what you are talking about before giving "advice".

"Estoppel" is not the term used in debt collections law.
The term used in both state and federal collections law as I have read them is "statute of limitations".

And, the biggie you are very wrong on is that if someone makes a payment on an account it restarts the negative credit reporting past the original 7 years.
This is absolutely false.
NOTHING can extend the 7 year reporting on a negative credit item.
NOTHING!!

However, making a payment on an old charged off account CAN restart the SOL and the legal ability to sue on the debt.

Is this what you meant?

FYI...I have extensive first hand knowledge of debt collections matters as I have been sued several times and represented myself in court, and have asserted all of the defenses I speak of here.

I have never lost yet. I have prevailed every time. I do not have any judgements or garnishments against me, and I have not paid even one dime to any collections action or lawsuit. Nothing. I win.



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Submitted: 8/22/2008 9:48:04 AM
Modified: 8/22/2008 10:07:35 AM Benderover
Eau Claire, Wisconsin
U.S.A.

Estoppel & FCRA
Two things.

First, there is a good chance that the creditor is completely unable to sue you under any circumstances. In Wisconsin, for instance, if you have not been sued within 6 years of your last payment, you can not be sued at all. This is called estoppel. Check it out in your state.

Second, the Fair Credit Reporting Act says that negative items on your credit report must be removed 7 years after the last payment received. If you start paying them now, the clock starts all over again. Consider that before sending one dime.

With the above in mind, send a certified letter to the collection agency saying you no longer wish to be contacted. If estoppel applies and it has been more than 7 years since a payment has been made on this account, the collection agency has little choice than to tuck its tail between its legs and whine in the corner.

I'm sure this reply, alone, will get some whining. Don't pay attention to the follow-ups that may seek to contradict the above. Check the facts yourself by doing a search of the Internet.



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Two things.

First, there is a good chance that the creditor is completely unable to sue you under any circumstances. In Wisconsin, for instance, if you have not been sued within 6 years of your last payment, you can not be sued at all. This is called estoppel. Check it out in your state.

Second, the Fair Credit Reporting Act says that negative items on your credit report must be removed 7 years after the last payment received. If you start paying them now, the clock starts all over again. Consider that before sending one dime.

With the above in mind, send a certified letter to the collection agency saying you no longer wish to be contacted. If estoppel applies and it has been more than 7 years since a payment has been made on this account, the collection agency has little choice than to tuck its tail between its legs and whine in the corner.

I'm sure this reply, alone, will get some whining. Don't pay attention to the follow-ups that may seek to contradict the above. Check the facts yourself by doing a search of the Internet.

Two things.

First, there is a good chance that the creditor is completely unable to sue you under any circumstances. In Wisconsin, for instance, if you have not been sued within 6 years of your last payment, you can not be sued at all. This is called estoppel. Check it out in your state.

Second, the Fair Credit Reporting Act says that negative items on your credit report must be removed 7 years after the last payment received. If you start paying them now, the clock starts all over again. Consider that before sending one dime.

With the above in mind, send a certified letter to the collection agency saying you no longer wish to be contacted. If estoppel applies and it has been more than 7 years since a payment has been made on this account, the collection agency has little choice than to tuck its tail between its legs and whine in the corner.

I'm sure this reply, alone, will get some whining. Don't pay attention to the follow-ups that may seek to contradict the above. Check the facts yourself by doing a search of the Internet.

Two things.

First, there is a good chance that the creditor is completely unable to sue you under any circumstances. In Wisconsin, for instance, if you have not been sued within 6 years of your last payment, you can not be sued at all. This is called estoppel. Check it out in your state.

Second, the Fair Credit Reporting Act says that negative items on your credit report must be removed 7 years after the last payment received. If you start paying them now, the clock starts all over again. Consider that before sending one dime.

With the above in mind, send a certified letter to the collection agency saying you no longer wish to be contacted. If estoppel applies and it has been more than 7 years since a payment has been made on this account, the collection agency has little choice than to tuck its tail between its legs and whine in the corner.

I'm sure this reply, alone, will get some whining. Don't pay attention to the follow-ups that may seek to contradict the above. Check the facts yourself by doing a search of the Internet.

Two things.

First, there is a good chance that the creditor is completely unable to sue you under any circumstances. In Wisconsin, for instance, if you have not been sued within 6 years of your last payment, you can not be sued at all. This is called estoppel. Check it out in your state.

Second, the Fair Credit Reporting Act says that negative items on your credit report must be removed 7 years after the last payment received. If you start paying them now, the clock starts all over again. Consider that before sending one dime.

With the above in mind, send a certified letter to the collection agency saying you no longer wish to be contacted. If estoppel applies and it has been more than 7 years since a payment has been made on this account, the collection agency has little choice than to tuck its tail between its legs and whine in the corner.

I'm sure this reply, alone, will get some whining. Don't pay attention to the follow-ups that may seek to contradict the above. Check the facts yourself by doing a search of the Internet.