I just got a hard inquiry from MARCADIS & ASSOCIATE. I haven't had a bad debt for over eight years. Do these CA's still have the legal right to do inquiries? How long does "permissible purpose" last?
They're going dumpster diving into credit scores which "look" low to see if they can contact original creditors to drum up more business for them. Don't have the foggiest idea of how long "permissible purpose" last.
It's obviously a law firm. Somebody has an active case involving you (or somebody with a similar name) in their office. In Florida only the remedy is cut off by the SOL, not the right ... they can put hards, call and write forever--and they can get a valid judgment against you in court if they sue and you dont show up and raise the SOL defense. Permissible purpose is absent only if it's mistaken identity or if the claim is from a state where the statute ran while you were still living in the state and that state's SOL cut off the right along with the remedy (Wis. and Miss., perhaps some others). Is it possible you have a default judgment or two that you don't know about? Check the clerk/recorders' office in counties where you have lived for entries under your name. Or buy your own Lexis/Nexis report for $8. It's also possible that the lawyer is preparing to file (or has filed) a judgment from far, far away under the UEFJA.
