i have some questions. i recently i got my three credit reports and found several of my accounts were charged off. i was really confused because one of the reports did not have the one account charged off and one it was charged off. well so happens that i visited my mother in law that same week and she told me i have been getting calls and letters from some collection agencies. i heard the callnotes messaged and same lady just blurred out a number and said to call and hung up. i called back from my motherinlaws house and it turned out it was a letter from NCO. well she is collecting for sears. she told i better pay the full amount of 1500 or settle or 1200. i told her that i am unemployed due to my sick son. i also told here that as i recall i only owe sears at least 500 dollars or less. she said it was what she showed and thats it. well i ended the call say i would have to look at my records and she said she would need the money soon and it would marked paid in full on my credit. well here is my problem. i dont have the money due to unemployment what im living on is ssi due to my son and my husbands job. The part that really gets me is now they are calling to my motherinlaws every day, she tells them i do not live there and to stop calling and they keep on. some even hang up on her when she tells them i do not live there. what to do? can i use that cease lettter in this case? i have never gotten any calls at my home my mother in law is the one who is getting the grief. when i looked on my credit report this debts last activity was in 1998. what to do? thank you donna
I would advise you not to have any further verbal contact with NCO at all.Do all correspondence in certified writing.Do not pay n e thing without a letter from NCO saying they will remove from credit report.I would suggest that you send a cease and decease letter as soon as possible to relieve the burden from your mother in law of being harrassed. Create a paper trail with any decisions you decide on.Good luck!!!!
I would agree with river's statements that you should never talk to them on the phone under almost any circumstance. I would also agree with river's statements that you should only correspond with them by letter and that al correspondence should be by certified return receipt letter. In my personal opinion, you will have little success getting them to stop harassing your relatives by simply demanding that they do so. In my opinion, you are going to have to send them a dispute letter and in that letter make a demand that they do not contact you nor your relatives again. It makes no difference whatever that the debt is or is not your debt nor if it is or is not correct. In my personal opinion, one should never pay them a crying dime under any circumstances that I can think of. Do not be afraid of NCO. They are nothing but bluff and although they can and might sue you in order to force payment, it isn't all that likely that they will actually do that for a measly $500 or even $1200 or so. It takes them a lot of time and costs them pretty fair money to do so, and if they have any doubts such as you have already put into their minds if they had cared to listen, then they are much less likely to sue. Hope that helps you some at least. Just don't let them put the run on you.
one more thing that i forgot to mention is i realized where they got my mother inlaws number by my credit report. on my personl information it is listed as my number which is not. it is her's. what can i do? can i dispute that with the cra's somehow? thank you
Yes, you can easily have that changed by contacting each bureau. As far as the harrassing phone calls to your relative, I would follow the advice above, send them a letter DEMANDING them to stop harrassing your family and get everything in writing. Good luck! Alex ____________ Free Credit Repair Info! http://www.CreditInsiders.com
Mr Fuentes, Nice name for your site. It is really hard to find good domain names for anything that has to do with credit repair..Did you happen to luck out and get it for a good price or did you have to buy it from someone? Just wondering..
cease and desist letters are a dime a dozen. They are available almost everywhere credit repair is discussed. Just about every search engine can find you a dozen or so with ease. But cease and desist letters are not magic bullets with which to slay the evil dragon. One needs to know how to use them and when to use them as well and that's a lot more important than getting exactly the right letter. Kind of like having the best pistol in the world in your hands. If you don't know how to use it properly, you very well might end up killing yourself with it. I'd suggest you do a lot more studying and a lot less jumping.
All you have to do is to send a signed letter by your mother in law...something like "(insert collection agency here) have been trying to contact (insert your name here) to collect a debt. The debtor does not reside at this address. Therefore I expect you to comply with the Fair Debt Collections Act and cease and desist from any further attempts to contact the debtor at this phone number and address. Any further attempts to locate this person at my residence. will be regarded as willful violation of the FDCA, and may result in legal action.". Hope this helps. TomL
YES, TomL I can sure see the logic in that idea. If she sends it or demands that they cease and desist, it won't work because she is the debtor. But if her mother does it, that would be a whole different ballgame. Sure makes sense to me.
