i have a lisitng on CR from RJM aguisitions in the amount of $144 (from an old Fingerhut account) HUH??? I never ever ordered from Fingerhut, so I called the law office of Mitchell N. Kay and they were "studdering" in a major way and i was like send me something with my signature on it or please verify this debt or i am not paying it. so he had the nerve to offer me a settlement of $35 for deletion......is this crazy or what? what do i have to do now?
Send a request for validation, CRRR and wait for the green card to come back. Then, dispute the TL with the CRA that it appears. They will more than likely violate some FDCPA or FCRA section and you can use it as leverage to get the TL deleted. DO NOT EVER CALL A CA UNLESS YOU ARE VERIFYING A MAILING ADDRESS!! EVER!! EVER!!! EVER!! If they call you, hang up on them!!! They may send a feable attemp at validation, in which you will respond with an ITS letter. Trust me, this works. Follw this link to my series of validation/dispute letters: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=394192#post394192 Read it all carefully so u understand what you are sending. RJM is known for putting this crap on CR's of those that never had an account with them, and whom never ordered anything from them. They are not liked by many, including the FTC. They attempting to milk money from the ususpecting! It happened to me and I forced them into a series of violations with the above letter series, so I know it works. Keep us posted.
They will more than likely violate some FDCPA or FCRA section and you can use it as leverage to get the TL deleted. Read it all carefully so u understand what you are sending. RJM is known for putting this crap on CR's of those that never had an account with them, and whom never ordered anything from them. tonyd ================ bunch a crooks hain't they! http://www.justsaywow.com/newfun4/mooyear.cfm .. ..
1*what do i have to do now? ************************************************************************ 1*send them both this letter ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Here is the Validation Letter you want to send by CRRR. Don't make any changes on it and don't hand sign it. Your Name Address City State Zip Company Address City State Zip Date RE: Account #_________/Original Creditorâ??s Name Dear Sir/Madame: Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely, Your Name don't sign - - - Include the following on a separate sheet of paper - - - CREDITOR DISCLOSURE STATEMENT Name and Address of Collector (assignee): _________________________ Name and Address of Debtor: ____________________________________ Account Number(s): ____________________________________________ What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO Has the purported balanced of this account been used in any tax deduction claim? YES/NO Please list the particular products or services sold by the collector to the debtor and the dollar amount of each: Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. ________________________________ Authorized signature for Collector Date_______/_______/_______ Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts. ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ..
Make a counteroffer of he pays YOU $1000 so you won't sue him for the FCRA violation. And if he doesn't delete you will sue him AGAIN, until he does.
<< Originally posted by va [/i] i have a lisitng on CR from RJM aguisitions in the amount of $144 (from an old Fingerhut account) HUH??? I never ever ordered from Fingerhut, so I called the law office of Mitchell N. Kay and they were "studdering" in a major way and i was like send me something with my signature on it or please verify this debt or i am not paying it. so he had the nerve to offer me a settlement of $35 for deletion......is this crazy or what? what do i have to do now? [/QUOTE >>Don't Talk Validate
