Complaint Review: CAMCO - Rockville Illinois

I've also dealt with CAMCO and I am in the LA area. What I did was to let the rep know that I have obtained a lawyer and that they are to cease communicating with me. The rep tried to talk me into still paying and questioned who my lawyer was. I told her a friend of mine who was a lawyer and said that I would call back with the number. Since then, they have not contacted me. My lawyer said I did the right thing and if the company files suit then we can deal with it. Which they haven't and probably won't because the debts are bogus. I suggest you get the name of a lawyer, and next time the person calls, tell them you have a lawyer and you'll call them back with the number. According to the Fair Debt Collections Act, if they know that you have a lawyer, they have to cease contact with you and contact your lawyer instead. If they continue to talk to you you can sue and get up to $1000 for each violation. (The only time they can call back is to state that they are going to stop contacting you and not to talk about the debt anymore)

http://ag.ca.gov/consumers/mailform.htm Camco Fax: 815 968-1577 Regional Director, Northwest Division Federal Trade Commission 915 Second Avenue, Suite 2986 Seattle, WA 98174 re: FTC File 022 3222 Civil Action No. 04 C 50147 Lisa Madigan Illinois Attorney General Consumer Fraud Bureau 500 South Second Street Springfield, IL 62706 Transunion Consumer Solutions P.O. Box 2000 Chester, PA 19022-2000 (they've been doing "hard inquiries" to poison credit reports, and threatening to continue doing so, in violation of Transunion rules). Be sure to send photocopies of all written communications you've had with them to date (letters and suchlike). In your letter, say something to the effect of: "You are not to contact me again by phone, by mail, by e-mail, by fax, or by any other method. You are also advised that any effort to slander my credit by falsely "re-aging" this alleged debt or by making multiple "hard inquiries" will be met with all legal options available to me." Make sure you include the cc: list on the bottom of the letter. You will need to download a complaint form for the Illinois Attorney General's office -- you can do that at http://www.ag.state.il.us/consumers/conscomp.pdf You can also download the Transunion complaint form at http://www.transunion.com Don't sign this letter; I've heard allegations that Camco has forged signatures in the past. Also be sure to block out any identifying information on the forms -- i.e. your current workplace and your signature, etc. -- on the copies you send to Camco. Send this certified mail, return receipt requested. (You can send all the other copies regular mail). That should get them off your back, and should help to create the kind of paper trail which will get these criminals shut down for good.

Check your local laws. As another harrassee of this company, I have been exploring my options. I did not incur any debt at the time that they specify so I called a lawyer. He told me that the burden of proof is on them. You are innocent until proven guilty. Ask them for a copy of a document that they signed. When you don't play by their rules, they will become verbally abusive, but this is a scare tactic. The statute of limitations is probably up on this debt. That is the time given to a creditor to legally collect the debt. Also-file reports with the Better Business Bureau, State Attorney General, and Federal Trade Commission. I don't want them to steal another penny from some poor unsuspecting person. Help me shut them down!