Complaint Review: RJM Acquisition - West St. Paul Minnesota

Thank you for your comment. I guess my initial statement was a little confusing. Jason is the one that owes the money to RJM, not I. I do not know this person and maybe this person lived in my house before us, but it's addressed to my house. According to my sister, we get this kind of letter once in a while, and sometimes the letter gets the name right (like my father's name). This is the first time I noticed this kind of letter.

John: Steve is right. Do not ignore this, but don't try to negotiate with them either. Here is a form I used when I had collection agencies on my credit report for debts that were not mine. Basically, what you have to do is fire the collection agency. Getting their negative info off your credit reports is a bit trickier. However, if the collection agency cannot legally validate the debt (and they usually can't, or they come up with some computer print out that proves nothing)then they have to inform the credit reporting agencies of that fact--although you may have to write to them and dispute information. Anyway, here is a good letter to use with collection agencies. Certified Mail Return Receipt Article #: COLLECTION AGENCY NAME AND ADDRESS DATE Re: Legal Dispute of Alleged Collection Claim Account: # Control #: Amount: $ Your Client: Attention: Account Manager (legal department) It has been brought to my attention that you are attempting to collect an account/liability that is not only invalid, but is also illegitimate and in legal dispute. Therefore, please consider this response as my formal legal dispute pursuant to Public Law 95-109, 15 USC 1692f 808 and 1692g 809. I furthermore request the name, address, department and phone (including any extensions) of the original creditor who is stating that this alleged liability belongs to me, so that civil action can be implemented, if necessary, to resolve this egregious accusation. Any further attempt to collect and/or continue to falsely report this disputed information on my personal credit file without complying with the above stated provisions will be deemed as non-compliance and you will be held liable under 15 USC 1692 (k) (civil liability) to one or more of the following: 1) All actual damage sustained by a consumer as a result of such failure; 2) (A) included above, additional damages allowed by the court, not exceeding $1,000; or 3) If a class action is filed, such amount for each named plaintiff, recovered under subparagraph (A) of the stated Title, and an amount not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and 4) All cost accrued by the consumers' successful action to enforce the foregoing liability, along with attorney's fee. It is my intention to resolve your inaccurate claim amicably. However, rest assured I will pursue all legal rights necessary to resolve this matter. If and when the accuracy of this liability is legally proven to be valid, it will be my intention to rectify it post haste. Thank you for your cooperation. Sincerely, But do this immediately after receiving a collection letter. Don't delay too long. Good luck, Tony

John: Steve is right. Do not ignore this, but don't try to negotiate with them either. Here is a form I used when I had collection agencies on my credit report for debts that were not mine. Basically, what you have to do is fire the collection agency. Getting their negative info off your credit reports is a bit trickier. However, if the collection agency cannot legally validate the debt (and they usually can't, or they come up with some computer print out that proves nothing)then they have to inform the credit reporting agencies of that fact--although you may have to write to them and dispute information. Anyway, here is a good letter to use with collection agencies. Certified Mail Return Receipt Article #: COLLECTION AGENCY NAME AND ADDRESS DATE Re: Legal Dispute of Alleged Collection Claim Account: # Control #: Amount: $ Your Client: Attention: Account Manager (legal department) It has been brought to my attention that you are attempting to collect an account/liability that is not only invalid, but is also illegitimate and in legal dispute. Therefore, please consider this response as my formal legal dispute pursuant to Public Law 95-109, 15 USC 1692f 808 and 1692g 809. I furthermore request the name, address, department and phone (including any extensions) of the original creditor who is stating that this alleged liability belongs to me, so that civil action can be implemented, if necessary, to resolve this egregious accusation. Any further attempt to collect and/or continue to falsely report this disputed information on my personal credit file without complying with the above stated provisions will be deemed as non-compliance and you will be held liable under 15 USC 1692 (k) (civil liability) to one or more of the following: 1) All actual damage sustained by a consumer as a result of such failure; 2) (A) included above, additional damages allowed by the court, not exceeding $1,000; or 3) If a class action is filed, such amount for each named plaintiff, recovered under subparagraph (A) of the stated Title, and an amount not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and 4) All cost accrued by the consumers' successful action to enforce the foregoing liability, along with attorney's fee. It is my intention to resolve your inaccurate claim amicably. However, rest assured I will pursue all legal rights necessary to resolve this matter. If and when the accuracy of this liability is legally proven to be valid, it will be my intention to rectify it post haste. Thank you for your cooperation. Sincerely, But do this immediately after receiving a collection letter. Don't delay too long. Good luck, Tony

John: Steve is right. Do not ignore this, but don't try to negotiate with them either. Here is a form I used when I had collection agencies on my credit report for debts that were not mine. Basically, what you have to do is fire the collection agency. Getting their negative info off your credit reports is a bit trickier. However, if the collection agency cannot legally validate the debt (and they usually can't, or they come up with some computer print out that proves nothing)then they have to inform the credit reporting agencies of that fact--although you may have to write to them and dispute information. Anyway, here is a good letter to use with collection agencies. Certified Mail Return Receipt Article #: COLLECTION AGENCY NAME AND ADDRESS DATE Re: Legal Dispute of Alleged Collection Claim Account: # Control #: Amount: $ Your Client: Attention: Account Manager (legal department) It has been brought to my attention that you are attempting to collect an account/liability that is not only invalid, but is also illegitimate and in legal dispute. Therefore, please consider this response as my formal legal dispute pursuant to Public Law 95-109, 15 USC 1692f 808 and 1692g 809. I furthermore request the name, address, department and phone (including any extensions) of the original creditor who is stating that this alleged liability belongs to me, so that civil action can be implemented, if necessary, to resolve this egregious accusation. Any further attempt to collect and/or continue to falsely report this disputed information on my personal credit file without complying with the above stated provisions will be deemed as non-compliance and you will be held liable under 15 USC 1692 (k) (civil liability) to one or more of the following: 1) All actual damage sustained by a consumer as a result of such failure; 2) (A) included above, additional damages allowed by the court, not exceeding $1,000; or 3) If a class action is filed, such amount for each named plaintiff, recovered under subparagraph (A) of the stated Title, and an amount not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and 4) All cost accrued by the consumers' successful action to enforce the foregoing liability, along with attorney's fee. It is my intention to resolve your inaccurate claim amicably. However, rest assured I will pursue all legal rights necessary to resolve this matter. If and when the accuracy of this liability is legally proven to be valid, it will be my intention to rectify it post haste. Thank you for your cooperation. Sincerely, But do this immediately after receiving a collection letter. Don't delay too long. Good luck, Tony

John: Steve is right. Do not ignore this, but don't try to negotiate with them either. Here is a form I used when I had collection agencies on my credit report for debts that were not mine. Basically, what you have to do is fire the collection agency. Getting their negative info off your credit reports is a bit trickier. However, if the collection agency cannot legally validate the debt (and they usually can't, or they come up with some computer print out that proves nothing)then they have to inform the credit reporting agencies of that fact--although you may have to write to them and dispute information. Anyway, here is a good letter to use with collection agencies. Certified Mail Return Receipt Article #: COLLECTION AGENCY NAME AND ADDRESS DATE Re: Legal Dispute of Alleged Collection Claim Account: # Control #: Amount: $ Your Client: Attention: Account Manager (legal department) It has been brought to my attention that you are attempting to collect an account/liability that is not only invalid, but is also illegitimate and in legal dispute. Therefore, please consider this response as my formal legal dispute pursuant to Public Law 95-109, 15 USC 1692f 808 and 1692g 809. I furthermore request the name, address, department and phone (including any extensions) of the original creditor who is stating that this alleged liability belongs to me, so that civil action can be implemented, if necessary, to resolve this egregious accusation. Any further attempt to collect and/or continue to falsely report this disputed information on my personal credit file without complying with the above stated provisions will be deemed as non-compliance and you will be held liable under 15 USC 1692 (k) (civil liability) to one or more of the following: 1) All actual damage sustained by a consumer as a result of such failure; 2) (A) included above, additional damages allowed by the court, not exceeding $1,000; or 3) If a class action is filed, such amount for each named plaintiff, recovered under subparagraph (A) of the stated Title, and an amount not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and 4) All cost accrued by the consumers' successful action to enforce the foregoing liability, along with attorney's fee. It is my intention to resolve your inaccurate claim amicably. However, rest assured I will pursue all legal rights necessary to resolve this matter. If and when the accuracy of this liability is legally proven to be valid, it will be my intention to rectify it post haste. Thank you for your cooperation. Sincerely, But do this immediately after receiving a collection letter. Don't delay too long. Good luck, Tony

Is Jason Reek the person they are looking for, or is it who signed the collection letter? West Asset Management is not only a collection agency, they are junk debt buyers. This could be from some debt you forgot about 10-15 years ago. They purchase these for less than 1 penny on the dollar. Never talk to a debt collector over the phone. Do everything in writing. Never sign your letters. Print only. Did they mention the original creditor? They are required by federal law to do so. At this point, I would have no further contact with them.