Collections Law/ANCIENT DEBT

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Expert: Creditwrench - 6/4/2008


Question
In my college days (1986-1990) I had a department store account (this agency went bankrupt a few years ago).  I was not financially savvy in my 20's and spent my early-mid 30's cleaning up the mess.  Suddenly, at age 40, I am being continually called by a collection agency stating that I owe them almost $800.00 (my credit limit was $250.00 on the card).  I simply tell them the debt is beyond the SOL and hang up.  Today, I attempted to get the address from them and the girl told me it didn't matter if the debt was SOL and REFUSED to give me the company address if I would not tell her why I wanted it.  What can I do to make these people go away?

Answer
The answer is fairly simple but could end up getting very involved Simply ask for the address and when the caller wants to know why you want that information tell the caller that you have to know their address in order to send them the money. If they come back wanting to do a check by phone or credit card payment over phone tell them you don't do business that way.

Visit http://www.creditwrench.com/18questions.html to get a complete list of questions to ask them every time they call.

Also tell them that you dispute the debt and demand that they validate the debt in writing.

let me know what happens.

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Creditwrench

Expertise

Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.

Experience

I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.

Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.

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