Steve
Bradenton,#2Consumer Suggestion
Wed, October 25, 2006
Lisa, These lowlife morons you are dealing with are commonly referred to as JUNK DEBT BUYERS or PARASITES. Either way you have to deal with them harshly, or this will not go away. They buy these old, legally uncollectable debts for far less than a penny on the dollar as they are actually worthless as they are past the legal statute of limitations for collections. You are probably lucky enough to have the same, or similar name as the original debtor. These old debts have little or no documentation so these companies just contact everyone they can and hope for a bite. Don't be the one! You need to send a DEBT VALIDATION request to them as per the FDCPA. In this letter clearly dispute the debt and demand to see whatever you allegedly signed to create the debt, as well as a full account history and itemization of charges. Also demand proof that they legally own the debt including the sales contract and proof of payment, including the amount paid. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. This procedure is very important. If you do this, you will never hear from them again. Guaranteed.