Complaint Review: CAMCO - Capital Acquisitions & Management Co. - Rockford Illinois

keep up with all the info & posts regarding camco. interesting to note that they maybe changing colors, er names to zenith? here's what sums up collectors like camco best, hopefully the ftc will ding 'em again: * Harassing consumers at their workplaces; * Discussing consumers' debts with third parties; * Continuing to communicate with consumers after consumers had notified them that they did not owe the money and did not wish to be contacted again; * Using obscene or profane language; * Calling consumers continuously with the intention of annoying and abusing them; * Falsely representing the amount and legal status of the debts; * Misrepresenting themselves as attorneys; * Threatening imprisonment, seizure, garnishment, attachment or sale of property or wages with full knowledge that such action could not legally be taken; * Threatening to take action that could not be legally taken, including threatening to disclose the debts to consumers' employers and threatening to report the debt to consumer reporting agencies even though the debts are past the credit reporting periods; and * Ignoring consumers disputes of the charges and continuing to harass them after consumers requested verification of the debts.

Watch out for Zenith they bought all the Ballys accounts and are trying to get the money. They will use a lawyer to hit your bank account.

In response to Bonnie, i DID pay my debt to the credit card that CAMCO is now trying to collect on. I made a settlement with the credit card company. They removed the late fees & reduced the interest i owed and i paid the balance i owed plus some of the interest and i agreed to close the account. Now 7 yrs later CAMCO is trying to make me pay for this old debt in FULL plus 7 yrs interest. When i informed them i had already paid they told me i was a.)mis-informed & still owed the debt b.)they had a lawsuit/arrest warrant against me at my county courthouse (plus they gave me the wrong county name) & could have me thrown in jail c.)They told me they could have the debt put back on my credit for 7 more years d.) refused to give me any proof that the debt was still valid e.) transfered me to their "legal" department and a susposed "lawyer" who seemed to know nothing about the law f.) Told me it was perfectly legal for them to collect on the debt even though i had already paid it(the balnace) because i didn't pay all the interest i owed When i informed them that the SOL had expired on this debt , they told me i was misinformed . Needless to say i refused to give them my SS# or my bank account information despite their insistantance that i do for their "records". Last time they called i told them i had filed a complaint with the FTC and they haven't called me for a month so far so lets hope they are gone for good.

Call the reporting agencies and tell them that they are illegally linking out dated "disputed" bad credit by posting their name in the inquiry section of your credit report. Let them also know how old the original debt is. Tell them that you made no efforts on your part that would put this in the section where appling for credit. If you get any lip or problems, tell them that this is violating the Fair Credit Reporting Act. Then write the FTC at http://www.ftc.gov under complaints. No matter what, this is illegal and the reporting agencies can not have this on your report.

How do you go about taking off the inquiries put on your credit report from these collection agencies. I know every time one of these inquiries shows up it lowers a credit score. Is there any way or some kind of proper procedure to gaurantee that the reporting agencies will remove them.

Hey Kevin... Glad you were able to intercept them and able to call them on their scam. I would also file a police report, that you feel threatened by these people and the fact that they used profanity to you. I believe also, you can file a complaint with the FCC. Why not just slam them with anything and everything. They called you, so using profanity has to put the ball into your court as to being able to just nail them hard for their tactics. Thank God for this website, huh? Take Care,

Their toll free phone # Canco 1-888-298-0845

Robert, I did file a complaint today against Merchants Credit Guide that claimed to be representing Zenith Acquisitions. I also mentioned sCAMCO in my complaint. MCG seems to be using the same tactics and telling people the same pack of lies that sCAMCO uses. They even told me that the statute of limitations resets itself when a new collection agency buys a debt. I didn't fall for it from sCAMCO and I'm not going to fall for it from them either. MCG was actually worse than sCAMCO on the phone. The guy I talked to on the phone swears he never heard of sCAMCO even though sCAMCO called me about the very same account a couple of months ago. He even claimed that Zenith bought the debt from Citibankand then started name calling. Loser, mother...(you can guess what comes next), etc. I included that in my complaint as well. I hope the FTC puts these rats out of business.

Robert, The statute of limitations varies from state to state. In New York, it's six years, in other states, it could be more or less time. In any event, if a debt collector calls you once the statute of limitations has run, they are SOL. Just be sure you know what the statute of limitations is in your state. There are lots of places on the web where you can find out what it is in your state. For example: http://www.cardreport.com/laws/statute-of-limitations.html Also remember that, unlike what they will tell you, the statute of limitations does not reset itself if the debt is sold to someone else. Once you know the statute of limitations in your state, you cal tell them to f*&^ off.

John; Actually the Statute of Limitations is only like 2.5 years to take you to court, after that it is unenforceable. They have that long to take you to court and if they fail to, they lose there opportunity to have the court's judgement. If they do get a judgement, then it is good for 10-yrs, unless renewed. The seven years is the max that they can report it on you credit report. In any case, after 7-yrs, they are S.O.L.; actually, after 2.5 years they are done.

Not sure, but I would make a complaint to the FTC referencing the new company and CAMCO so the FTC can connect the two together. This may be a new company created by CAMCO. They are probably getting ready to dump the CAMCO name and going under a different name. Even if they sold it off, we need to nail this new company before they have a chance to get off the ground, so to speak...

It's only been a couple of months since sCAMCO contacted about a 15 year old debt. I sent them the cease and desist letter and they did. Now I'm hearing from a company called Zenith about the very same account. Same bull*&^%. They even tried to tell me that the statute of limitations does not apply to that account since it was bought by them.Of course, I didn't fall for it. Anyone know if they are connected to sCAMCO?

I just wanted to say thanks to Ripoff Report and the people who responded to this CAMCO ripoff. I have notified the FTC, U.S. Attorney, and the people in this forum. Without the shared consumer information about this deceiving company attempting to collect debts illegally. Some people may, and probably do, send them money. The fines imposed may increase when all the information is collected from us. Please, if you have been ripped off by CAMCO, or have been threatened or harassed. Contact the FTC, US Attorney and send CAMCO a certified letter demanding them to STOP!! If they continue, SUE! Thanks

John.. Log onto he FTC's site at http://www.ftc.gov and do a search for "Capital Acquisitions." You will find the court decree there. Read it, and then make your call mentioning you know about this, and you are reporting them for attempting to collect on an unenforceable debt that has also been dismissed by bankruptcy. I believe that is a federal crime. In addition to that, file a complaint with the FTC. Their complaint form is on their site. You may also want to check your credit report. I guarantee they have added their name to your reports in the inquiry section.

It's interesting that most of the people talk about debt that is over seven years old, statute of limitations. CAMCO is calling me and sending letters on debts that were dismissed by a bankruptsy Judge over 10 years ago. The law clearly dismissed the debt and I have re-established my credit. Now CAMCO say's "unless I accept their payment options they will proceed with a collection program" If I did not know better I would feel threatened. Their methods are deceiving. Bonnie must work for CAMCO with Mary Winters who sent me several letters. We can fight back by sending letters to them with copies to the Department of Justice as I have. I don't know the status of case #04050147 United States ver CAMCO. We are not the first and don't seem to be the last. My latest calls were a few days ago.

They wanted nearly $4,000 from me for a 15 year old account even after I had explained my situation to the original creditor and was told that they had written it off. I thought that was the end of it so it was definitely a surprise when CAMCO contacted me about it. I was fortunate enough to know about the statute of limitations and just told them that the debt is 15 years old and I'm not going to pay because they can't make me pay. I need the money more than they do anyway. You're right. After so long, it is gone, in the big black hole never to be seen again, etc. and they should just get over it. The original creditor did. CAMCO just hopes that the people they call don't know about things like statutes of limitations and will be intimidated into sending them money when they don't have to.

Hey everyone, I hope that this rebuttal finds each and every one of you out there in good spirit and health. I am not associated with this company in any way, nor have I ever been contacted by them for any reason. I am simply writing a rebuttal to say, I am really happy that everyone seems to be on the same page regarding this scam. It's sad that it has come to a point where basic law will someday be mandatory, in order to be safe as consumers. Don't be surprised if consumer law and credit law, etc, etc, are someday taught in public schools. It is really nice to see, that many of you have banded together for a common goal and have somewhat succeeded, in getting these thugs off your backs. I have tremendous confidence that many more scams could be illiminated, if only everyone were as pursurverant, as you all have been and continue to stand up for what they know is right. If you are definitely not required by law to pay this company, don't do it. It was their decision to gamble, by purchasing everyones debts. They were obviously attempting, or should I say hoping, to capitalize on everyones ignorance of the credit laws (rob). I hope this company sinks! There may very well be many that follows. Take care everyone, Aloha from Hawaii & God Bless each and every one of you.

Owe it or not, the law states that you cannot call a debtor after they tell you to stop. You are to stop, accept one final time to let them know your intentions to sue or to cease your collection activities. The original creditor is given ample time to pursue this matter, they fail to file a claim in the courts, they loose that opportunity, they can still attempt to collect it, but printed in black and white on the FTC's website, it is unenforceable debt. That means it is gone, you lost, it is in the hole, it is history, get over it! Thank your original creditor for selling you that worthless piece of paper that you purchased for pennies on the dollar. I may or may not owe the debt, but if I didn't pay it then, what makes you think I am going to pay it now? Not a d**n thing you can do about it. By the way, CAMCO is trying to collect $3,000 plus on me... I hope that they see the $32,000 Credit Card debt I have now, that I used to invest in my business, and at the end of the month looks at my credit report again when I make the $17,000 payment to cut my Credit Card Debt in half. I have Titanium credit, and there isn't a dang thing they can do about it!! Not a penny is going to them No documentation, no proof I bet I can get Attorney General to agree with me on that. The burden of proof is on you, not me Ha Ha Ha!!!!!

I too have been contacted by CAMCO for a debt that I didn't owe. Several years ago I was contacted by a similar agency for the same debt which proved to be someone elses. CAMCO purchased the debt from the other company and attempted to collect it from me. When I was initially contacted on March 26, by Nick Smith over the phone telling me that I had a delinquent account with Chase, I asked for him to put it in writing. I asked him to provide me with all of the information pertinent to the debt. He then tried to get me to verify my social security number over the phone. When I refused, he threatened me with "fraud". I then told him "Sir, do not call me any more." There were several subsequent attempts to reach me over the phone at which times I was either out of the house or did not answer when I saw the number in the caller ID. Nearly four weeks later I got a letter from them dated April 13. Upon receipt of the letter, I contacted the collections department of Chase over the phone, and after searches by my name, address, and social security number, they found absolutely nothing. From there I wrote CAMCO a cease and desist letter disputing the debt. I also informed them of my intention to report their violation of the same Federal Law they cited in their letter to me by not contacting me in writing within five days of initial contact. I am currently in the process of filing my complaints with the Attorneys General of Virginia and Illinois and the Federal Trade Commission. Since the cease and desist letter, I have had no other contact from them. It is my belief that they have found easier "pickins" elsewhere. Companies like CAMCO prey on peoples' ignorance of the laws. Fight back intelligently and don't raise your blood pressure. Companies like CAMCO don't have a leg to stand on.

I too have been contacted by CAMCO for a debt that I didn't owe. Several years ago I was contacted by a similar agency for the same debt which proved to be someone elses. CAMCO purchased the debt from the other company and attempted to collect it from me. When I was initially contacted on March 26, by Nick Smith over the phone telling me that I had a delinquent account with Chase, I asked for him to put it in writing. I asked him to provide me with all of the information pertinent to the debt. He then tried to get me to verify my social security number over the phone. When I refused, he threatened me with "fraud". I then told him "Sir, do not call me any more." There were several subsequent attempts to reach me over the phone at which times I was either out of the house or did not answer when I saw the number in the caller ID. Nearly four weeks later I got a letter from them dated April 13. Upon receipt of the letter, I contacted the collections department of Chase over the phone, and after searches by my name, address, and social security number, they found absolutely nothing. From there I wrote CAMCO a cease and desist letter disputing the debt. I also informed them of my intention to report their violation of the same Federal Law they cited in their letter to me by not contacting me in writing within five days of initial contact. I am currently in the process of filing my complaints with the Attorneys General of Virginia and Illinois and the Federal Trade Commission. Since the cease and desist letter, I have had no other contact from them. It is my belief that they have found easier "pickins" elsewhere. Companies like CAMCO prey on peoples' ignorance of the laws. Fight back intelligently and don't raise your blood pressure. Companies like CAMCO don't have a leg to stand on.

I too have been contacted by CAMCO for a debt that I didn't owe. Several years ago I was contacted by a similar agency for the same debt which proved to be someone elses. CAMCO purchased the debt from the other company and attempted to collect it from me. When I was initially contacted on March 26, by Nick Smith over the phone telling me that I had a delinquent account with Chase, I asked for him to put it in writing. I asked him to provide me with all of the information pertinent to the debt. He then tried to get me to verify my social security number over the phone. When I refused, he threatened me with "fraud". I then told him "Sir, do not call me any more." There were several subsequent attempts to reach me over the phone at which times I was either out of the house or did not answer when I saw the number in the caller ID. Nearly four weeks later I got a letter from them dated April 13. Upon receipt of the letter, I contacted the collections department of Chase over the phone, and after searches by my name, address, and social security number, they found absolutely nothing. From there I wrote CAMCO a cease and desist letter disputing the debt. I also informed them of my intention to report their violation of the same Federal Law they cited in their letter to me by not contacting me in writing within five days of initial contact. I am currently in the process of filing my complaints with the Attorneys General of Virginia and Illinois and the Federal Trade Commission. Since the cease and desist letter, I have had no other contact from them. It is my belief that they have found easier "pickins" elsewhere. Companies like CAMCO prey on peoples' ignorance of the laws. Fight back intelligently and don't raise your blood pressure. Companies like CAMCO don't have a leg to stand on.

I too have been contacted by CAMCO for a debt that I didn't owe. Several years ago I was contacted by a similar agency for the same debt which proved to be someone elses. CAMCO purchased the debt from the other company and attempted to collect it from me. When I was initially contacted on March 26, by Nick Smith over the phone telling me that I had a delinquent account with Chase, I asked for him to put it in writing. I asked him to provide me with all of the information pertinent to the debt. He then tried to get me to verify my social security number over the phone. When I refused, he threatened me with "fraud". I then told him "Sir, do not call me any more." There were several subsequent attempts to reach me over the phone at which times I was either out of the house or did not answer when I saw the number in the caller ID. Nearly four weeks later I got a letter from them dated April 13. Upon receipt of the letter, I contacted the collections department of Chase over the phone, and after searches by my name, address, and social security number, they found absolutely nothing. From there I wrote CAMCO a cease and desist letter disputing the debt. I also informed them of my intention to report their violation of the same Federal Law they cited in their letter to me by not contacting me in writing within five days of initial contact. I am currently in the process of filing my complaints with the Attorneys General of Virginia and Illinois and the Federal Trade Commission. Since the cease and desist letter, I have had no other contact from them. It is my belief that they have found easier "pickins" elsewhere. Companies like CAMCO prey on peoples' ignorance of the laws. Fight back intelligently and don't raise your blood pressure. Companies like CAMCO don't have a leg to stand on.

I just get so tired of reading Bonnie's drivel on this subject. She and other debt collectors need to understand that most debtors want to pay their debts and if they don't pay it's not by choice. I have been downsizes, had bills I wasn't expecting and debt collectors always wanted me to pay or else. I just couldn't get those people to understand that I am not going to deprive my famiy of food or a home or other essentials just to give money to them. That would be more wrong than not paying a debt. Bonnie needs to understand that statutes of limitations give people like me breathing space. Knowing that a debt is no longer legally enforceable means that people like me have one less thing to worry about. Parasites like CAMCO don't want to hear that. They just hope that the people they call don't know about statutes of limitations and can be tricked into paying even though they don't have to. When I was called by CAMCO, I called their bluff, but the person I talked to told me that she would keep calling until I paid even though I informed her that the debt she was calling about was 15 years old and the statute of limitations had run a long time ago. The only thing that finally stopped the calls was a cease and desist letter.

I just get so tired of reading Bonnie's drivel on this subject. She and other debt collectors need to understand that most debtors want to pay their debts and if they don't pay it's not by choice. I have been downsizes, had bills I wasn't expecting and debt collectors always wanted me to pay or else. I just couldn't get those people to understand that I am not going to deprive my famiy of food or a home or other essentials just to give money to them. That would be more wrong than not paying a debt. Bonnie needs to understand that statutes of limitations give people like me breathing space. Knowing that a debt is no longer legally enforceable means that people like me have one less thing to worry about. Parasites like CAMCO don't want to hear that. They just hope that the people they call don't know about statutes of limitations and can be tricked into paying even though they don't have to. When I was called by CAMCO, I called their bluff, but the person I talked to told me that she would keep calling until I paid even though I informed her that the debt she was calling about was 15 years old and the statute of limitations had run a long time ago. The only thing that finally stopped the calls was a cease and desist letter.

I just get so tired of reading Bonnie's drivel on this subject. She and other debt collectors need to understand that most debtors want to pay their debts and if they don't pay it's not by choice. I have been downsizes, had bills I wasn't expecting and debt collectors always wanted me to pay or else. I just couldn't get those people to understand that I am not going to deprive my famiy of food or a home or other essentials just to give money to them. That would be more wrong than not paying a debt. Bonnie needs to understand that statutes of limitations give people like me breathing space. Knowing that a debt is no longer legally enforceable means that people like me have one less thing to worry about. Parasites like CAMCO don't want to hear that. They just hope that the people they call don't know about statutes of limitations and can be tricked into paying even though they don't have to. When I was called by CAMCO, I called their bluff, but the person I talked to told me that she would keep calling until I paid even though I informed her that the debt she was calling about was 15 years old and the statute of limitations had run a long time ago. The only thing that finally stopped the calls was a cease and desist letter.

I just get so tired of reading Bonnie's drivel on this subject. She and other debt collectors need to understand that most debtors want to pay their debts and if they don't pay it's not by choice. I have been downsizes, had bills I wasn't expecting and debt collectors always wanted me to pay or else. I just couldn't get those people to understand that I am not going to deprive my famiy of food or a home or other essentials just to give money to them. That would be more wrong than not paying a debt. Bonnie needs to understand that statutes of limitations give people like me breathing space. Knowing that a debt is no longer legally enforceable means that people like me have one less thing to worry about. Parasites like CAMCO don't want to hear that. They just hope that the people they call don't know about statutes of limitations and can be tricked into paying even though they don't have to. When I was called by CAMCO, I called their bluff, but the person I talked to told me that she would keep calling until I paid even though I informed her that the debt she was calling about was 15 years old and the statute of limitations had run a long time ago. The only thing that finally stopped the calls was a cease and desist letter.

Again I write.....when the State Banking Department in your state verifies the fact that a collection agency cannot, I repeat, cannot collect if they are NOT licensed, nor have obtained a bond in that state, nor had officers licensed and PAY THE PROPER FEES. I was told this for the state of Arizona. No one out there seems to hear this in all their "due diligence".

Bonnie, I think what is getting everyone steamed is not collectors as a group or as a profession. It's sCAMCO. They use intimidation, threats and other foul means to collect money whether the debt is real or not. A lot of people don't have internet access or are isolated or easily frightened, all of which makes them fat prey to companies like sCAMCO. That's how they make their money and that's what angers people. For every person who posts here or even reads these posts, how many are being bamboozled and robbed by sCAMCO? I don't have any reason to believe you personally are nasty or evil or anything, but understand there's a lot of ill will towards a specific company that breaks the law with almost every phone call it makes. sCAMCO has gone as far as threatening one person's life and that of his family or threatening one woman with gang rape until she paid up. You can understand why people would be a bit sensitive on the subject of sCAMCO. Finally, most people do pay their debts, even if they've gone through bad times and recovered and paid later, they paid. And, as pointed out previously, just because someone calls and demands money, that's no reason to pay it. You should always, always, always require proof that the debt is valid. And never, never, never give out personal information on the phone.

Folks Very interesting stuff but Bonnie my situation is a little different and I have some questions and comments for you. Bonny I did pay my debt almost 20 years ago. Fact I am very honest, and have paid any all debts I have ever owed. I did get a letter and receipt of paying the debt in full that Camco is now trying to get me to repay with 20 years interest. My question is how did Camco's records get screwed up? Is it possible that this is not the only case where their records are incorrect? And how long am I suppose to lug around old letters and receipts? From what I understand even the IRS doesn't require me to keep tax returns for 20 years

And just exactly what is dishonesty Bonnie. I have been accused of dishonesty Bonnie because I don't volunteer information about my identity or my household. I always speak honestly when I deal with people on the phone but consumers are not required to volunteer, to bend over backwards and to cooperate with people who call unsolicited over the phone. That is right. When someone calls my home and demands information about relatives, I know what they are talking about but I don't give them information. Is it dishonesty Bonnie or self preservation? I see it as preservation for my family. Why? First of all, you never and I repeat, never give out information over the phone, never accept unsolicited calls from telemarketers or anyone. I am a military wife and I know for a fact that phone lines are not secure. I know for a fact that one of the greatest hobbies out there is to own a scanner and to listen in on portable phone conversations. Some of these people do listen on phone conversations for mere amusement, source of gossip. Others listen to gather information. Historically, bill collectors often used the phone and could do so with reasonable gaurantees of privacy and security. Not so today. Consumers, don't put your financial security at risk for this. When a collector calls you should take their name, number, company name, and mailing address and then state to them that you will write to them and ask verification of the debt and that you will only deal with them through writing. You don't discuss these matters on the phone. I am not being paranoid. It is a simple fact. My mother and a few of her neighbors had mail stolen from their mailboxes right in front of their homes while they worked. My mom lost a pay stub, and a neighbor of hers lost a letter from the Social Security Administration updating her and the person went out and bought a car in my mom's name using my mom's pay stub and false identification. My mom didn't find out about it for six months when the finance company called her and demanded payment for default on the car. It was a nightmare for my mother to convince these people that she did not buy that car and she doesn't own a car. Luckily for her, she had a report from the postal service stating that her mail had been swiped and it helped her case somewhat. Karen is right. Just because someone buys a debt does not mean a debt is valid to start with. And to assume that because a person doesn't volunteer information or acts ignorant of it, does not mean they are dishonest. You should never give out information over the phone. A collection agency worth its salt will understand this and work within the parameters you set out. Are there good bill collectors? Yes. Our society needs decent and honest bill collectors but I think that we need to understand that the traditional way of doing business may not be the best. Consumers have a right to validate a debt and it is up to the debtor to show that a debt exists. I went through my credit report and I had to dispute quite a few items on there that weren't my husband. We beleive that these are his Dads who has the same name and some of the items on there are his grandpa's who share the same name as well. None of them are in default but because it is listed on our credit report, it looks like we have much more debt than we have. So credit reports are often wrong. Currently, we are getting bill collections letters for my brother in law who doesn't live wtih us and has never and I am wondering how in the world our address got attached to this. I think it is accounting error and that is a lot of it. Also, you should always obtain validation of a debt because the amount you think you might owe on it may not be the amount that the company owes. You have a right to dispute the amount owed, especially if you are dealing with a company that is notorious for billing errors and charging false rates. So obtaining validation is important for many reasons.

Truth hurts sometimes, Bonnie. You may want to reevaluate the course you are taking in your life.

I see I touched a sore spot. Thanks for all the touching compliments. I really like the part where you called me a scum bag and a low life. You actually showed how intelligent you are. Congradulations for that touching comment.. You've done exactly as I knew you would.

I need the documentation, period. I do not send money to ANYONE without knowing that it is legitimate. You don't get it, do you? Or is it that you don't WANT to get it? I have car payments, credit cards and various bills....all paid on time, every month without fail. CAMCO is required BY LAW to provide said documentation to the consumer when demanded. The fact that they aren't says far too much about who they are and what they do. I know what three credit cards I had in 1984...none of which were a "First Card", which is why they can't provide anything on it. So then this leaves one option- this is a scam meant to rip people off and you are a part of it! Shame, shame, shame..... And IF I am ever asked about this "inquiry", I will respond with copies of my letters to the Illinois AG, Mass. AG, BBB, FTC, the three credit reporting bureaus and the links to all of these reports. Guess what, Bonnie? Something else....ever since I filed all of these reports and sent them a legal letter, they seem to have DROPPED their "collection efforts". Looks to me as if YOU are wrong and WE are right about all of this. My complaints will continue against CAMCO, regardless of the fact that they appear to have dropped my case. Justice will be served and YOU YOURSELF may be handed over on that platter with the rest of your filthy friends. And you have made clear exactly what kind of person YOU and your COHORTS are...lying, scamming, dishonest, lowlife, scummy THIEVES. CAMCO is going to have ALOT of explaining to do.

Phillip I never stated that time barred debts were legally enforceable but no one can say that any agency cannot take you to court anyway. Its up to the judges discretion wether its valid or not.And you are right about an agency not legally being able to put the trade line back on your credit but the inquiry will be made with the companys name and # attached to it for all other creditors to see and also inquiry about. Also giving people advise on not paying there bills because its out of stats thats just wrong .. Again back to the saying if you owe it pay it, it shouldn't matter how old it is. And for those who clearly know they don't owe it take the proper steps to rectify it and if that still doesn't work make your request to stop all communications. As far as the SOL it was set up to protect consumers rights for all the same reasons you stated but you shouldn't twist it to mean something that its not. Scott I really like you. I like the fact you fight for what you belive in but be fair. Look at both sides look just like there are bad collectors there are also bad debtors who are also dishonest, vulgar, threatning and so on. I did not write this for camco or any other agency.I'm talking about peoples responsibilties to do whats right and honest. As a collector I have seen alot and heard alot but I have morals and ethics which i believe in . I don't believe in threating or harrassing anyone, its there choice they have to live with. I give respect I don't wait for people to earn it. If you chose to categorize all collectors as the same then is it ok for us to categorize all debtors as deadbeats ? And last to Karen .. As i stated and as you know you have the right to request documentation and if you are not provided with this then you also have the right not to pay it. But using that as a reason when you know fully well you owe it then it tells me what kind of person YOU are. Just because someone calls you about a bill and you pretend not to know makes YOU dishonest. And to say that you or any other intelligent person would agree to pay without proof, what exactly are you implying that only dumb people would actually pay an out of statue bill. Karen if it makes you feel better i can send you my name and address so you can put all your bills in my name because that is another way of dodging YOUR responsibility. You seem to believe that agencies like camco just pull these names out of the air. The original creditors sold the information .. your information to what you call scam companies but i don't hear anyone attacking them. If this agencies pratices were illegal why hasn't anyone gone after the original creditor ?? And by the way Karen in 7 years of collections i have never had a formal complaint nor have i ever been sued for violoting anyones rights bacause i haven't. So when you insinuate that I am dishonest it also indicates to me that personal attacks is what gets you going ..

When a debt collector contacts you regarding a debt, the alleged "debtor" is allowed by law to request all documentation regarding this debt. The collector and the company they work for are required to provide copies of all documentation regarding the "debt", according to the Federal Debt Collection Act. If the "debtor" informs the debt collector and their company in writing to not contact them again, the company and collector are required BY THE SAME LAW to cease and desist. When the company and collector are informed not to contact the "debtor" until the documentation is provided and they do not provide this but continue to call, that is a direct violation of the FEDERAL law, not to mention various state laws. If the company and collector are unable to provide the documentation (as in my case and many others), then that is the end of it. Just because someone calls you and says you owe something doesn't make them "honest". And there is no way that I or any intelligent person would agree to something without knowing for a fact that it is ours. And if you feel this is not true, then send me your name, address and phone number. I'm going to have all my bills put in your name. Then I'll call you and tell you that you owe money. When you request proof, I'll just write some stupid letter, have it notarized and send it to you. After all, that's all that would be required, right? The lawsuits being filed are in regard to direct and blatant violations of the Federal Debt Collection Act. If you and your company have the proof of these "debts" then you and your company should have no problem with providing copies of all legal documents signed by the people you are calling. If you don't and continue to harrass and violate the law, you can't be surprised when people actually filed criminal and/or civil charges against you and your company. If you engage in this behaviour, then apparently you are NOT an honest debt collector, are you? Your company has been engaging in illegal practices for a long time. It is going to come to an end and it will cost them and you...ALOT.

I do not think you understand the meaning of all these posts. This is about a very abusive collection agency. I do not see a single link on this website that deals with collection agencys in general- just the scam ones. I see you are from California. Did you realize in your state it is ILLEGAL to COLLECT on time barred debts? Need proof. Go find the california fdcpa article 2.6 section 2. Read it. Need a link? Here it is. http://www.dca.ca.gov/legal/dc_2.pdf Scroll down to page 9. You do of course realize it is illegal to file suit on a time barred debt right? Camco sues all the time and coule care less. There is a landmark case in wisconsin right now. I do not remember the case details but I will look around and post it later. It basically stated it is illegal to collect on a time barred debt. The consumer sued the collection agency in federal court and won. Right now it is under appeal. If the verdict holds up you can kiss collections on time barred debts goodbye. I help not only consumers who are abused but collectors also. There is no conflict of interest because all I am interested in is a fair play field. Camco hurts your business. Not one collector I have talked to likes camco or any of the other scam agencies like whitewing or national check control. They create distrust in collection agencies as a whole. Before you start ranting in camcos favor you need to get your facts straight. As for your question on the debt and not the practices, I would say over 50% of my emails I have received had to do with debts that were either discharged in BK(which you know is illegal) or were not even the consumers. One lady was told she owed 20k for some home loan. The date she gave put her at 11 years old. When she told them this they completely changed the name of the company the debt had been owed to. The company did not exist nor ever has. They could care less if the debt is yours. They just want money. I have talked to 4 ex-camco employees. The storys they tell are horrific.

Bonnie is right, as far as it goes, but that doesn't mean you have to put up with the collection calls. First, the statute of limitations issue: If the debt is past the statute of limitations, neither the debt collector nor anyone else owns a legally enforceable debt. Companies like CAMCO won't sue you, because they know collection of the lawsuit through a lawsuit is barred because of the passage of time. They would lose and they know it. Second, the credit reporting issue: Once the debt has been in default for seven plus years, neither the original creditor NOR ANYONE ELSE can cause any credit bureau to report any derogatory information regarding the account on your credit report. To do so violates the Fair Credit Reporting Act. Don't believe the lie that by selling the old debt, the purchaser of the debt gets a new seven year clock to report to the credit bureaus. It's a lie, and if a company like CAMCO tells you that lie, they have violated the Fair Debt Collection Practices Act. Third, the "debt never goes away issue:" I suppose Bonnie is right in a metaphysical sense on that one. But that doesn't mean you have to pay it. AND IT CERTAINLY DOESN'T MEAN YOU HAVE TO PUT UP WITH COMMUNICATIONS FROM THE DEBT COLLECTOR. The FDCPA gives you the ABSOLUTE RIGHT to stop the debt collector from contacting you on the debt. As to time-barred debts, you simply write the debt collector a letter, stating that you refuse to pay the debt because it is past statute, and IMPORTANTLY, demand in writing that the debt collector immediately and forever cease all communications with you. You should keep a copy of the letter for your file, and send the original to the debt collector by certified mail, so that if the debt collector later contacts you, you can sue the debt collector for violating the FDCPA. Finally, a comment about the "moral" duty to pay old debts. The elected legislatures of every state have seen fit to pass laws called "statutes of limitation." The idea behind these laws is that a claimant, such as a creditor, cannot sit on his hands forever before filing a lawsuit. It is in the public interest to require that lawsuits be filed within a specified time. There are various reasons for this. Over time, records get thrown away. Witnesses die or move away. Memories become less accurate. People have a need for resolution of disputes. It is not good to have disputes hanging over people's head for indeterminate period of time. So, despite what Bonnie says, in a very real sense, the debts do "go away" with time. Or at least the debts become totally unenforceable. And if the debt is unenforceable, feel free to tell the debt collector to take a hike (just do it in writing).

Bonnie is right, as far as it goes, but that doesn't mean you have to put up with the collection calls. First, the statute of limitations issue: If the debt is past the statute of limitations, neither the debt collector nor anyone else owns a legally enforceable debt. Companies like CAMCO won't sue you, because they know collection of the lawsuit through a lawsuit is barred because of the passage of time. They would lose and they know it. Second, the credit reporting issue: Once the debt has been in default for seven plus years, neither the original creditor NOR ANYONE ELSE can cause any credit bureau to report any derogatory information regarding the account on your credit report. To do so violates the Fair Credit Reporting Act. Don't believe the lie that by selling the old debt, the purchaser of the debt gets a new seven year clock to report to the credit bureaus. It's a lie, and if a company like CAMCO tells you that lie, they have violated the Fair Debt Collection Practices Act. Third, the "debt never goes away issue:" I suppose Bonnie is right in a metaphysical sense on that one. But that doesn't mean you have to pay it. AND IT CERTAINLY DOESN'T MEAN YOU HAVE TO PUT UP WITH COMMUNICATIONS FROM THE DEBT COLLECTOR. The FDCPA gives you the ABSOLUTE RIGHT to stop the debt collector from contacting you on the debt. As to time-barred debts, you simply write the debt collector a letter, stating that you refuse to pay the debt because it is past statute, and IMPORTANTLY, demand in writing that the debt collector immediately and forever cease all communications with you. You should keep a copy of the letter for your file, and send the original to the debt collector by certified mail, so that if the debt collector later contacts you, you can sue the debt collector for violating the FDCPA. Finally, a comment about the "moral" duty to pay old debts. The elected legislatures of every state have seen fit to pass laws called "statutes of limitation." The idea behind these laws is that a claimant, such as a creditor, cannot sit on his hands forever before filing a lawsuit. It is in the public interest to require that lawsuits be filed within a specified time. There are various reasons for this. Over time, records get thrown away. Witnesses die or move away. Memories become less accurate. People have a need for resolution of disputes. It is not good to have disputes hanging over people's head for indeterminate period of time. So, despite what Bonnie says, in a very real sense, the debts do "go away" with time. Or at least the debts become totally unenforceable. And if the debt is unenforceable, feel free to tell the debt collector to take a hike (just do it in writing).

Bonnie is right, as far as it goes, but that doesn't mean you have to put up with the collection calls. First, the statute of limitations issue: If the debt is past the statute of limitations, neither the debt collector nor anyone else owns a legally enforceable debt. Companies like CAMCO won't sue you, because they know collection of the lawsuit through a lawsuit is barred because of the passage of time. They would lose and they know it. Second, the credit reporting issue: Once the debt has been in default for seven plus years, neither the original creditor NOR ANYONE ELSE can cause any credit bureau to report any derogatory information regarding the account on your credit report. To do so violates the Fair Credit Reporting Act. Don't believe the lie that by selling the old debt, the purchaser of the debt gets a new seven year clock to report to the credit bureaus. It's a lie, and if a company like CAMCO tells you that lie, they have violated the Fair Debt Collection Practices Act. Third, the "debt never goes away issue:" I suppose Bonnie is right in a metaphysical sense on that one. But that doesn't mean you have to pay it. AND IT CERTAINLY DOESN'T MEAN YOU HAVE TO PUT UP WITH COMMUNICATIONS FROM THE DEBT COLLECTOR. The FDCPA gives you the ABSOLUTE RIGHT to stop the debt collector from contacting you on the debt. As to time-barred debts, you simply write the debt collector a letter, stating that you refuse to pay the debt because it is past statute, and IMPORTANTLY, demand in writing that the debt collector immediately and forever cease all communications with you. You should keep a copy of the letter for your file, and send the original to the debt collector by certified mail, so that if the debt collector later contacts you, you can sue the debt collector for violating the FDCPA. Finally, a comment about the "moral" duty to pay old debts. The elected legislatures of every state have seen fit to pass laws called "statutes of limitation." The idea behind these laws is that a claimant, such as a creditor, cannot sit on his hands forever before filing a lawsuit. It is in the public interest to require that lawsuits be filed within a specified time. There are various reasons for this. Over time, records get thrown away. Witnesses die or move away. Memories become less accurate. People have a need for resolution of disputes. It is not good to have disputes hanging over people's head for indeterminate period of time. So, despite what Bonnie says, in a very real sense, the debts do "go away" with time. Or at least the debts become totally unenforceable. And if the debt is unenforceable, feel free to tell the debt collector to take a hike (just do it in writing).

Bonnie is right, as far as it goes, but that doesn't mean you have to put up with the collection calls. First, the statute of limitations issue: If the debt is past the statute of limitations, neither the debt collector nor anyone else owns a legally enforceable debt. Companies like CAMCO won't sue you, because they know collection of the lawsuit through a lawsuit is barred because of the passage of time. They would lose and they know it. Second, the credit reporting issue: Once the debt has been in default for seven plus years, neither the original creditor NOR ANYONE ELSE can cause any credit bureau to report any derogatory information regarding the account on your credit report. To do so violates the Fair Credit Reporting Act. Don't believe the lie that by selling the old debt, the purchaser of the debt gets a new seven year clock to report to the credit bureaus. It's a lie, and if a company like CAMCO tells you that lie, they have violated the Fair Debt Collection Practices Act. Third, the "debt never goes away issue:" I suppose Bonnie is right in a metaphysical sense on that one. But that doesn't mean you have to pay it. AND IT CERTAINLY DOESN'T MEAN YOU HAVE TO PUT UP WITH COMMUNICATIONS FROM THE DEBT COLLECTOR. The FDCPA gives you the ABSOLUTE RIGHT to stop the debt collector from contacting you on the debt. As to time-barred debts, you simply write the debt collector a letter, stating that you refuse to pay the debt because it is past statute, and IMPORTANTLY, demand in writing that the debt collector immediately and forever cease all communications with you. You should keep a copy of the letter for your file, and send the original to the debt collector by certified mail, so that if the debt collector later contacts you, you can sue the debt collector for violating the FDCPA. Finally, a comment about the "moral" duty to pay old debts. The elected legislatures of every state have seen fit to pass laws called "statutes of limitation." The idea behind these laws is that a claimant, such as a creditor, cannot sit on his hands forever before filing a lawsuit. It is in the public interest to require that lawsuits be filed within a specified time. There are various reasons for this. Over time, records get thrown away. Witnesses die or move away. Memories become less accurate. People have a need for resolution of disputes. It is not good to have disputes hanging over people's head for indeterminate period of time. So, despite what Bonnie says, in a very real sense, the debts do "go away" with time. Or at least the debts become totally unenforceable. And if the debt is unenforceable, feel free to tell the debt collector to take a hike (just do it in writing).

I want to address all the complaints I have read .. These is for all those hard working decent bill collectors out there who get verbally abused by debtors everyday. Its so upsetting to know we all get characterized as being evil when all we are doing is try to collect on debts that you created. I am not here to bash anyone just to tell it like it is. There are bad apples in every bunch but we are all not the same. Im going to make this as short as possible so here it is. 1st ... Statue of Limitations .. This is just one case to educate you on what it means ... Johnson(debtor) . Capital One Bank & NCO(collection agency) The court held that a letter that made no threats of a lawsuit on a time-barred debts, so long as they comply with the rules of the FDCPA. He court reasoned ... a statue of limitations bar applies to judicial remedies; it does NOT eliminate the debt. Creditors are entitled to attempt to pursue even time-barred debts, so long as they comply with the rules of the FDCPA. And then theres the excuse its no longer on my credit report or its been more than 7 years.. This is how long the original creditor is entitled to have it place on your credit report. Once the account it sold or the 7 years is up it must be removed by the creditor or the credit reporting agencies.. This does not mean you no longer owe the bill. There are NO LOOPHOLES. STOP trying to wait out 7 years not to pay your bill there is no such thing nor is there a deep dark hole they fall into.. People may not like the fact that they still owe the bill even years down the line but remember the reason its so old to begin with its because you either stopped paying it or you never did. If you created the debt you owe it, that is it. Now there are cases of fraud which I personally do try to resolve but its not as you people are very forthcoming or helpful in these cases if youd be a little more cooperative you get a lot further. And yes you do have the legal right to request documentation in regards to any debt. The likely hood you will get them is small because the original creditors keep them in archived files, but most of the time not all its another excuse to stall or knowing fully well you wont be supplied with it . So here we are again with this imaginary loophole. In most cases you know what we are talking about when we call you, yes most of you were young or going through a divorce and thought someone else was supposed to pay but you still try and conceal that and scream and yell at us like we dont have the right to call you. Dont you understand you are not only hurting yourselves, your families friends and even us we are all affected by raised interest rates, higher taxes, and our economy being in the red.. Where do you think this comes from people ????? So make all the excuses you want, look for the loopholes that arent there. I apologize for those bad apples because it would make my job a lot easier but if everyone did the right thing this wouldnt happen. Before making those excuses try taking a look at yourself and remember you are your childs mentor. What they see is what they learn. Teach them right from wrong by showing them yourself. I dont know what these potential lawsuits actually pertain to but I would like to know if any of them are actually regarding the debt and not the way they feel they were mistreated by camco employees ..

I want to address all the complaints I have read .. These is for all those hard working decent bill collectors out there who get verbally abused by debtors everyday. Its so upsetting to know we all get characterized as being evil when all we are doing is try to collect on debts that you created. I am not here to bash anyone just to tell it like it is. There are bad apples in every bunch but we are all not the same. Im going to make this as short as possible so here it is. 1st ... Statue of Limitations .. This is just one case to educate you on what it means ... Johnson(debtor) . Capital One Bank & NCO(collection agency) The court held that a letter that made no threats of a lawsuit on a time-barred debts, so long as they comply with the rules of the FDCPA. He court reasoned ... a statue of limitations bar applies to judicial remedies; it does NOT eliminate the debt. Creditors are entitled to attempt to pursue even time-barred debts, so long as they comply with the rules of the FDCPA. And then theres the excuse its no longer on my credit report or its been more than 7 years.. This is how long the original creditor is entitled to have it place on your credit report. Once the account it sold or the 7 years is up it must be removed by the creditor or the credit reporting agencies.. This does not mean you no longer owe the bill. There are NO LOOPHOLES. STOP trying to wait out 7 years not to pay your bill there is no such thing nor is there a deep dark hole they fall into.. People may not like the fact that they still owe the bill even years down the line but remember the reason its so old to begin with its because you either stopped paying it or you never did. If you created the debt you owe it, that is it. Now there are cases of fraud which I personally do try to resolve but its not as you people are very forthcoming or helpful in these cases if youd be a little more cooperative you get a lot further. And yes you do have the legal right to request documentation in regards to any debt. The likely hood you will get them is small because the original creditors keep them in archived files, but most of the time not all its another excuse to stall or knowing fully well you wont be supplied with it . So here we are again with this imaginary loophole. In most cases you know what we are talking about when we call you, yes most of you were young or going through a divorce and thought someone else was supposed to pay but you still try and conceal that and scream and yell at us like we dont have the right to call you. Dont you understand you are not only hurting yourselves, your families friends and even us we are all affected by raised interest rates, higher taxes, and our economy being in the red.. Where do you think this comes from people ????? So make all the excuses you want, look for the loopholes that arent there. I apologize for those bad apples because it would make my job a lot easier but if everyone did the right thing this wouldnt happen. Before making those excuses try taking a look at yourself and remember you are your childs mentor. What they see is what they learn. Teach them right from wrong by showing them yourself. I dont know what these potential lawsuits actually pertain to but I would like to know if any of them are actually regarding the debt and not the way they feel they were mistreated by camco employees ..

I want to address all the complaints I have read .. These is for all those hard working decent bill collectors out there who get verbally abused by debtors everyday. Its so upsetting to know we all get characterized as being evil when all we are doing is try to collect on debts that you created. I am not here to bash anyone just to tell it like it is. There are bad apples in every bunch but we are all not the same. Im going to make this as short as possible so here it is. 1st ... Statue of Limitations .. This is just one case to educate you on what it means ... Johnson(debtor) . Capital One Bank & NCO(collection agency) The court held that a letter that made no threats of a lawsuit on a time-barred debts, so long as they comply with the rules of the FDCPA. He court reasoned ... a statue of limitations bar applies to judicial remedies; it does NOT eliminate the debt. Creditors are entitled to attempt to pursue even time-barred debts, so long as they comply with the rules of the FDCPA. And then theres the excuse its no longer on my credit report or its been more than 7 years.. This is how long the original creditor is entitled to have it place on your credit report. Once the account it sold or the 7 years is up it must be removed by the creditor or the credit reporting agencies.. This does not mean you no longer owe the bill. There are NO LOOPHOLES. STOP trying to wait out 7 years not to pay your bill there is no such thing nor is there a deep dark hole they fall into.. People may not like the fact that they still owe the bill even years down the line but remember the reason its so old to begin with its because you either stopped paying it or you never did. If you created the debt you owe it, that is it. Now there are cases of fraud which I personally do try to resolve but its not as you people are very forthcoming or helpful in these cases if youd be a little more cooperative you get a lot further. And yes you do have the legal right to request documentation in regards to any debt. The likely hood you will get them is small because the original creditors keep them in archived files, but most of the time not all its another excuse to stall or knowing fully well you wont be supplied with it . So here we are again with this imaginary loophole. In most cases you know what we are talking about when we call you, yes most of you were young or going through a divorce and thought someone else was supposed to pay but you still try and conceal that and scream and yell at us like we dont have the right to call you. Dont you understand you are not only hurting yourselves, your families friends and even us we are all affected by raised interest rates, higher taxes, and our economy being in the red.. Where do you think this comes from people ????? So make all the excuses you want, look for the loopholes that arent there. I apologize for those bad apples because it would make my job a lot easier but if everyone did the right thing this wouldnt happen. Before making those excuses try taking a look at yourself and remember you are your childs mentor. What they see is what they learn. Teach them right from wrong by showing them yourself. I dont know what these potential lawsuits actually pertain to but I would like to know if any of them are actually regarding the debt and not the way they feel they were mistreated by camco employees ..

I want to address all the complaints I have read .. These is for all those hard working decent bill collectors out there who get verbally abused by debtors everyday. Its so upsetting to know we all get characterized as being evil when all we are doing is try to collect on debts that you created. I am not here to bash anyone just to tell it like it is. There are bad apples in every bunch but we are all not the same. Im going to make this as short as possible so here it is. 1st ... Statue of Limitations .. This is just one case to educate you on what it means ... Johnson(debtor) . Capital One Bank & NCO(collection agency) The court held that a letter that made no threats of a lawsuit on a time-barred debts, so long as they comply with the rules of the FDCPA. He court reasoned ... a statue of limitations bar applies to judicial remedies; it does NOT eliminate the debt. Creditors are entitled to attempt to pursue even time-barred debts, so long as they comply with the rules of the FDCPA. And then theres the excuse its no longer on my credit report or its been more than 7 years.. This is how long the original creditor is entitled to have it place on your credit report. Once the account it sold or the 7 years is up it must be removed by the creditor or the credit reporting agencies.. This does not mean you no longer owe the bill. There are NO LOOPHOLES. STOP trying to wait out 7 years not to pay your bill there is no such thing nor is there a deep dark hole they fall into.. People may not like the fact that they still owe the bill even years down the line but remember the reason its so old to begin with its because you either stopped paying it or you never did. If you created the debt you owe it, that is it. Now there are cases of fraud which I personally do try to resolve but its not as you people are very forthcoming or helpful in these cases if youd be a little more cooperative you get a lot further. And yes you do have the legal right to request documentation in regards to any debt. The likely hood you will get them is small because the original creditors keep them in archived files, but most of the time not all its another excuse to stall or knowing fully well you wont be supplied with it . So here we are again with this imaginary loophole. In most cases you know what we are talking about when we call you, yes most of you were young or going through a divorce and thought someone else was supposed to pay but you still try and conceal that and scream and yell at us like we dont have the right to call you. Dont you understand you are not only hurting yourselves, your families friends and even us we are all affected by raised interest rates, higher taxes, and our economy being in the red.. Where do you think this comes from people ????? So make all the excuses you want, look for the loopholes that arent there. I apologize for those bad apples because it would make my job a lot easier but if everyone did the right thing this wouldnt happen. Before making those excuses try taking a look at yourself and remember you are your childs mentor. What they see is what they learn. Teach them right from wrong by showing them yourself. I dont know what these potential lawsuits actually pertain to but I would like to know if any of them are actually regarding the debt and not the way they feel they were mistreated by camco employees ..