- Report: #353680
Complaint Review: RJM Acquisitions Funding LLC - Syosset New York
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Author Confirmed
Why?
RJM Acquisitions Funding LLC
575 Underhill Blvd. Suit 224 Syosset, 11791-3416 New York, U.S.A.
Phone:
800-886-0026
Web:
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RJM Acquisitions Funding LLC 9 yr old debt for 532.61 from fingerhut (its a tent) want me to pay it, also there on my credit report like 4 different times not for this one though Syosset New York
after 9 years they are wanting the 532.61,they say they bought the account from fingerhut.i have not heard anything about the fingerhut account in about 8 and a half years.is this leagal for them,also it says there is a presence of a collecton action or judgement on 2 of my credit bureaus,
they are trying to get me to settle out with one lump sum of 213.04 or another option was 319.56 at 39.95 a month or option 3 is 19.97 a month till the full amount of 532.61 is paid. this account could possibly even be 10 years old,its been so long. all in all it was for a 2 room tent.are there limitations in new york stste? i have to respond by august 29,2008.
on the back of there invoice it says nothing about my rights,there are 5 states stating there rights and it also says its not a complete list of rights consumers have under state and federal laws. could someone please help me out with som info,by no means am i a slacker i work 2 jobs,i was married when i had the fingerhut account and she kept the tent anyways.
Thomas
hudson falls, New York
U.S.A.
they are trying to get me to settle out with one lump sum of 213.04 or another option was 319.56 at 39.95 a month or option 3 is 19.97 a month till the full amount of 532.61 is paid. this account could possibly even be 10 years old,its been so long. all in all it was for a 2 room tent.are there limitations in new york stste? i have to respond by august 29,2008.
on the back of there invoice it says nothing about my rights,there are 5 states stating there rights and it also says its not a complete list of rights consumers have under state and federal laws. could someone please help me out with som info,by no means am i a slacker i work 2 jobs,i was married when i had the fingerhut account and she kept the tent anyways.
Thomas
hudson falls, New York
U.S.A.
1 Updates & Rebuttals
Noir
City,Michigan,
U.S.A.
Tough Situation
#2Consumer Suggestion
Mon, July 21, 2008
Thomas, It sounds like you want to the ethical thing and make good on your debt. But if you in any way enter into an agreement with RJM Acquisitions, you will only make your situation worse. Tough place to be. As for RJM, they are bottom feeders...they bought your account for pennies on the dollar and likely they have no legal standing to collect. You need to send them a letter requesting they validate the debt. Search the web for the Fair Debt Collection Practices Act -- they will have sample letters you can send RJM). They won't be able to do that (the SOL alone precludes them for doing that)and they will need to remove the mark on your credit report(s) if they cannot validate the debt. As for whether you actually owe the debt -- it sounds like you do. If you want to make right then either send Fingerhut payment anonymously (believe me,they won't return it, especially if they don't know where to send the refund)...or...select a social organization and send the amount to them. Under no circumstances enter into any agreement with RJM...PERIOD.
