Help! More questions about collection agencies trying to collect old, OLD bills!?

I was the one a few days ago that had a collection agency harassing us about bills that were written off 10-12 years ago. (In a nutshell, we were in great shape, had great credit, and illness wiped us out, put us on the street, and we%26#039;re now both disabled and barely scraping by.) I want to thank each and every one of you who answered....all the answers helped, but I found out I couldn%26#039;t thank you on the forum.

But NOW I have a new problem. We checked the recommended websites, talked to the people suggested, found out you all were right that these people can%26#039;t legally harrass us.

When we told them this, they admitted it was true, but told us if we DIDN%26#039;T pay them, all they had to do to destroy our newly repaired credit rating was to inquire about our credit to the credit reporting agencies every few days. I know (and you all probably know) that every inquiry drops your credit rating a point. Within a few months our credit will be crap again. Blackmail. Any suggestions? Thanks!

Help! More questions about collection agencies trying to collect old, OLD bills!?

Old debt is still debt. Never the less, to protect yourself from harassment, tell them nothing except your lawyer%26#039;s name and phone number.

Help! More questions about collection agencies trying to collect old, OLD bills!?

They are just threatening you. They are trying to get you to agree verbally that you owe this so that they can then legally collect it.

Make sure you are past the statute of limitations for the debt in your state and then do not take their calls any longer. Do not talk to them.

Keep a paper record of every call the make to you and keep it on your caller ID.

There have been people who have successfully sued collection agencies for harrassment.

Know your rights.

Help! More questions about collection agencies trying to collect old, OLD bills!?

Yes that is against the law..I would report that company to the FTC,Attorneys Generals,BBB and the FCRA.

Help! More questions about collection agencies trying to collect old, OLD bills!?

YES, I will tell you excactly what to do!

#1 DO NOT talk to them on the phone any more. They might try to say you offered to pay for the debt and illegaly re age this account.

#2 Send them a letter stating that you will be Cheking your credit report every month and you see 1 inquiry from them you will without further notice sue them under FTC guidelines.

Here is something you can do. at the bottom of the letter mark it CC (carbon copy)

Example,

CC. Robert wasinger (this is a bogus name but a collector will

sometimes think it is an attorney)

CC. Your attorney generals office and theres

CC. Your local FTC regiinal office

Ok I hope you are still with me.

Make sure you mail it RRR

Now befor you go to bed and you have your letter written

Find out there toll free fax # and fax this thing 250 times.

When they come to work the next day they will be out of paper anf toner and once they replace the darn letter will continue to come out of there machine!

Send them a cease and desist letter. If they violate this it is a 1000.00 fine per violation. Untill they get it and call you as soon as you here who it is say nothing and press #1 and hold it. Just picture a bad debt collector with a head set on and you blowing there drum out with a number tone.

I can go on and on but wont. I deal with these aholes daily.

It sounds to me like you might be dealing with

as-et accept--ance LLC

Feel free to contact me if you need help with these bottom feeders