Steve [Not A Lawyer]
Bradenton,#2Consumer Suggestion
Sun, April 08, 2007
These scammers are JUNK DEBT BUYERS, and debt collectors. They buy VERY old, and usually past SOL/legally uncollectable debts of THIS TYPE for far less than a penny on the dollar. When they purchase these "accounts", they get very little, if any current information on the account or the actual accountholder. So now, the "skiptracing" begins. Everyone with the same or similar name to you gets the same collection letter. They are fishing. NEVER call or speak to any debt collector ofr junk debt buyer. NEVER. And NEVER give them ANY information that is not already on the collection notice, and NEVER sign anything as your signature will most likely magically appear on a contract! Check all three of your credit files IMMEDIATELY to see if there is an inquiry or collection account noted on your credit files. If there is no evidence they have checked your credit, just ignore the letter. If it is on your credit, start doing disputes in writing only, and by certified mail,return reciept requested. be sure to put the certified# on any letter you send and kep a copy for your records. By the means above, send a DEBT VALIDATION request where you clearly deny the debt, and DEMAND to see the original signed contract that created the debt as well as a full account history and itemization of charges. They would need all of this to successfully sue you in court, and also must cease all collections activity until they fulfill your request. They are running a scam and they know it. Go to FTC.gov and file a complaint online, and also go to budhibbs.com to learn all about debt collectors, junk debt buyers and lots of good information on RJM and other bottomfeeders. Good luck.
Carol
Mira Loma,#3Consumer Comment
Sat, April 07, 2007
Paige: I too received one of these letters on 4/6/07, and never purchased anything from Fingerhut. I've never received any prior bills from RJM Acquistions until 4/6/07. These people are scammers. Carol Mira Loma