Have a collection agency bugging me fora little over 5K. Been bugging me for about 13 years to pay it. Keep getting the same letter wherever i move, with a payment envelope included. The supposed debt originates in virginia. A new colored letter came today stating" we have given you every oppurtunity to pay voluntarily. You have ignored all requests for payment. Be assured, this matter will be pursued to a conclusion. This must be taken care of right away." I am thinking of sending them a certified letter stating not to contact me anymore. Is this the right move?
"Be assured, this matter will be pursued to a conclusion." Whatever that means. At least they know not to threaten legal action they cannot or will not take. Was the alleged debt legitimate, or have they ever provided any validation? Is it not even your account?
Haha, yeah, and that "conclusion" will be that they will eat the $0.04 on the dollar they paid for the account. This account is well past the SOL. Send a cease & desist letter via certified, return receipt mail and inform them that if they continue collection attempts, they will be in violation of the FDCPA and that if they continue to harass you, that is a matter that will most certainly be pursued to a conclusion involving some form of payment by them to you in lieu of your pursuing the civil suit you will bring against them for violating the FDCPA. You can get more details on this site and I may even have one or 2 things wrong, but the general idea of what I said holds. Notice the creative wording of their letter, sounding threatening without actually saying that you are required to pay this account. Under no circumstances should you pay this account as it will make this item that I'm sure has fallen off your reports pop back on with new activity. Maybe for laughs you should offer them $50 if they agree to delete the item from your reports and never actually report it again...
After 13 years it better not show on any reports! But, you should include this notation in your C&D letter. Specify that the debt is past SOL for legal recourse for collection, and any reporting to CRAs will constitute a violation. Not to "assume", let me ask...it is NOT on your reports, correct?
Matter of fact i saw it disappear off my records about 2-3 years ago. I did some more digging online about these types of companies chasing old debts. And i have read not to acknowledge you ever owed. Just to plain and simple C&D. Thanks guys you made me feel 100% better, love these forums.
