Ricon Management Services my husband received a call from Rincon stating that I owed a debt from 18 years ago, Corona, California
2 Days ago, my husband received a call from Rincon looking for me. I was not home at the time. I called back and gave them permission to talk to my husband. He in turn called and spoke to a Debra Jones. She had told him it was from a debt from 18 years ago.
It was a charge card that I had from JC Penny and the original debt was $356. Being I have not paid it was up to $8000 and I 3 hours to pay it or the sheriffs were coming to arrest me. At this point, my husband was in a frantic.
I suffer from major depression and he didn't want anything to happen to me. So he ended up talking her down to $636. He said that we were on Social Security and we could not pay this until March 23rd. They said they would accept the post-dated charge to our debit. My husband gave them our debit card number.
At this point, they said that they would email me a letter for which I had to sign and either email back or fax. When I had returned home, my husband told me what he had done. I was concerned about this.
The first thing I did was print the letter out which told me to sign and then when it was paid I would receive documentation and then I would have to contact the Credit Bureau. Usually, any debt collector does this for you.
Then, I Googled the company and found some of the same. I then contacted my bank and cancelled my debit card and accounts so that no charges can go through. Today I reported the company to the Attorney Generals office. I think this company should be checked into and shut down before any more people get Ripped-Off escpecially the elderly who know no better at times.
4 Updates & Rebuttals
Christiana
Cincinnati,Ohio,
U.S.A.
Bad Idea
#5General Comment
Thu, April 21, 2011
Incredibly bad idea to have this letter posted with your information on it. Rip-Off says once something is posted it stays posted. You better watch your back, and your accounts. Please don't do that again. You've just made yourself a target.
Michael
United States of AmericaI am a PI conducting an investigation
#5Consumer Comment
Wed, April 20, 2011
I am a California private investigator hired to due investigation into a company called Pacific Management Recovery LLC. To date, I have found that the individuals owning this company, Jason Begley and Wayne Lunsford, have operating several entities out of the same address, all of whcih have similar complaints as to those listed here. These entities include Rincon Management Services llc, City Investment Services LLC, Union Management Services LLC aka Unioin Filing Services, Pacific Management Recovery LLC and Lunsford Investment and Management Services LLC.
I am very interested in speaking with and getting declarations from any and all individuals and/or ocnsumers that feel they have been victimized by any of the aforesaid entities. I am also interested in obtaining declarations regarding false representations that they were law enforcement personal.
Please feel free to contact me at my email addy, (((Redacted)))if you have any information. All information provided to me is for pre-litigation investigation and preparation of a lasuit against these entities.
Michael
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
John
Louisville,Kentucky,
U.S.A.
re
#5Consumer Comment
Wed, March 02, 2011
You have NOTHING to worry about. This debt is time barred and does not have to be paid back.
Technically, a debt collector can come after you forever for defaulted debt...however, once the statute of limitations is up, which it has in your case...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 (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped.
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These people have zero power over you. Don't let them scare/bully you.
If the debt collector calls back, tell them that you have officially sent a certified letter to them to cease communications with you per the Fair Debt Collection Practices Act. If the phone harassment continues....next time they call, read the following statement:
Be advised that this call is being recorded. If you do not consent to being recorded, you need to terminate this call. Continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practices Act violations in a court of law.
BrianAPaone
Knoxville,Tennessee,
United States of America
My advice?
#5Consumer Suggestion
Wed, March 02, 2011
This is an 18-year-old debt. Most states tend to have statutes of limitations on such things, though with PA being a Commonwealth the rules may be different.
My advice would be this:
* DEMAND PROOF OF THE DEBT. The alleged debt is 18 years old, credit-card related and in the hands of a third-party collection agent since Lord-knows-when. If I were you I'd immediately write the debt collection service (send via certified mail or better - must have a record of receipt) disputing the debt in question and requesting proof that the debt is lawful and valid.
* NEVER SETTLE SO HIGH. Frankly, you don't need to. Most lenders don't take 18-year-old debts into account, especially ancient department-store credit card bills, if the remainder of your credit is reasonably clear. Since the only damage a third-party debt collector can ever hope to do on an unsecured debt (as most credit-card debts are) is to your credit report, you may be able to simply ignore it.
But, if the debt turns out to be valid and you're like me (severe hangups regarding paying debts - it's GOT to be done in my view; your view may vary), then never, EVER offer to settle for anything more than the ORIGINAL debt owed. If they want the rest, make 'em take you to court for it. (They won't. Not over anything less than $10k, and even then with severe reservations about so doing.)
* REDACT YOUR PICTURES. You left far too much identifying information on the letter you posted. In this day and age, all most internet scammers need in order to successfully hijack your identity are your name, address, and some personal financial details. I'd strongly encourage you to edit this post and remove the current photo you have of the payment arrangement letter.
Good luck, and for what it's worth, you appear to be in a very commanding position on this. Take charge and let 'em have it!