Ann
Wilkinsburg,#2Consumer Suggestion
Tue, February 22, 2005
IN REGUARDS TO CAMCO- THE COMPANY BOUGHT THESE ACCOUNTS BY MISTAKE. THEY ARE UNCOLLECTABLE AND SHOULD BE REMOVED FROM YOUR CREDIT REPORT IF YOU WRITE A LETTER STATING HOW OLD THE DEBT IS. THESE ACCOUNTS ARE ATLEAST 10 YEARS OLD, WAY PAST THE STATUTE OF LIMITATION FOR ANY STATE. 2. PRA HAS TO FOLLOW FDCPA LAWS, THEY CANNOT HARASS YOU. HARASSMENT IS REALLY UP TO YOU IN YOUR EYES. THEY CANNOT CALL YOU MORE THAN 2 TIMES A WEEK. THEY CAN CALL YOU AT WORK UNLESS YOU SAY THEY ARE NOT ALLOWED TO CALL YOU BECAUSE OF ADVERSE REACTION FROM YOUR EMPLOYER. THEY CANNOT THREATEN TO SUE YOU, THEY MUST DO IT. IF THEY THREATEN TO SUE YOU, ASK THEM WHEN... THEY MUST THREATEN TO SUE YOU AND THEY MUST USE THE WORD SUE, NOT "TAKE THE NEXT STEP" LIKE MOST OF THEM ARE TRAINED TO SAY. THEY NEXT STEP IS FOR THE ACCOUNT TO LAND ON SOMEONE ELSES DESK TO TRY AND COLLECT FROM YOU. THERE ARE ONLY A HANDFUL OF STATES THAT YOUR WAGES CANNOT BE GARNISHED FROM. PA,SC,FL AND TEXAS. THEY WILL NOT AND CANNOT SUE YOU IF THE ACCNT BALANCE IS LESS THAN 2000.00. SOME OTHER WAYS TO GET THE ACCOUNT OFF OF YOUR CREDIT REPORT IS TO WRITE A LETTER DISPUTING THE DEBT BUT IT MAY REAPPEAR IN 3-6 MONTHS AGAIN WHICH MEANS THAT YOU HAVE TO KEEP SENDING LETTERS. ITS A HORRIBLE CYCLE OF EVENTS. IF ALL ELSE FAILS, GET CALLER ID AND JUST IGNORE THEM- PRIVACY MANAGER WORKS WELL ALSO. BY THE WAY, THE COMPANY WAS STARTED BY A 26 YEAR OLD GUY AND ITS TRADELINE WHICH IS REPORTED ON YOUR CREIDT REPORT AND AFFECTS YOUR FICA SCORE IS ONE OF THE WORST YOU CAN HAVE.