Steve
Bradenton,#2Author of original report
Sun, February 21, 2010
John,
Thanks for the "advice" but may I suggest that you look at the date of a post before posting to it or offering advice.
And, FYI...I wasn't looking for advice, I was just exposing a scam.
I know how to handle these lowlife, and it was done 3 years ago.
I get paid everytime!
Steve
John
Louisville,#3Consumer Comment
Fri, February 19, 2010
No need to waste time with FTC and AG complaints. Technically, a debt collector can come after you forever for defaulted debt...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 (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.