ALW Sourcing Treid to collect on a non-existent account Trenton New Jersey
ALW Sourcing has been calling my house repeatedly for a couple of weeks. i thought perhaps I had missed one of the bills from my recent hospital stay, ( there were so many that seemed to be for the same thing) so I called them back. They claimed the were calling about a credit card my husband had in 1990.
My husband had no credit cards in his name at that time. I told them this and they tried to act as if maybe he was hiding something from me. I know that he and his ex-wife had filed for bankruptcy in 1983. He did not have any credit in his name when we married in 1985.
Since the very beginning I have been in charge of paying the bills. We have never missed a payment. The only time we were ever even late was when my father died in 1999 and I left for his funeral without remembering to pay the bills first. That put us 5 days late on a couple of things, but nothing was "charged off."
I also seem to remember that if something is "charged off" that means the creditor has taken a deduction for the loss and is no longer entitled to seek damages. Even if this had been legitimate ( which it wasn't) they wouldn't have the right to come around 18 years later and ask for anything.
I pulled my husbands credit report and saw that they did ask for his information. I will be checking weekly to make sure he doesn't have any fraudulent charges showing up,
Gina
Orlando, Florida
U.S.A.
4 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
Here's how to respond...
#5Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying.
Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.
Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS.
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* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,Kentucky,
U.S.A.
Here's how to respond...
#5Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying.
Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.
Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS.
-----------------------------
* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,Kentucky,
U.S.A.
Here's how to respond...
#5Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying.
Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.
Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS.
-----------------------------
* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,Kentucky,
U.S.A.
Here's how to respond...
#5Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying.
Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.
Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS.
-----------------------------
* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.