almostretired Posted August 28, 2003 Report Share Posted August 28, 2003 Can a collection agency be sued months after they intimidated me into paying, refused to validate, said the police would be at my door within the hour unless I paid 2500$ that day by Western Union - to name a few of their violations.I dismissed the whole incident until recently when I began reading your posts and got angry again.Almost retired Link to comment Share on other sites More sharing options...
nayj Posted August 29, 2003 Report Share Posted August 29, 2003 months... yes. call an attorney in your area but first gather anything you have. letter, dates of contact, recordings etc. this was a third party agency though wasn't it??? Link to comment Share on other sites More sharing options...
almostretired Posted August 29, 2003 Author Report Share Posted August 29, 2003 Yes, it was a collection agency out of Phoenix, Arizona. I will get my stuff together this weekend.Thanks Link to comment Share on other sites More sharing options...
Swede Posted August 29, 2003 Report Share Posted August 29, 2003 Can a collection agency be sued months after they intimidated me into paying, refused to validate, said the police would be at my door within the hour unless I paid 2500$ that day by Western Union - to name a few of their violations.Yes, the statute of limitations for suits under the FDCPA is 1 year. Link to comment Share on other sites More sharing options...
Guest Posted September 1, 2003 Report Share Posted September 1, 2003 The CA wouldnt be Cavalry Investments would it???? Link to comment Share on other sites More sharing options...
ghacorp Posted September 1, 2003 Report Share Posted September 1, 2003 To go after that agency successfully you'll need to document the case and assemble proof to use against them. Telling someone they will be arrested sounds more like a spoof and hopefully you'll have a recording or the threat in writing. There is a law firm/debt collector in Phoenix who represents debt buyers and calls people repeatedly on cell phones often more than once per day. Oftentimes they call business phones and say they need to hear from so and so by the end of the day, and to have so and so with the SSI number of blank (or last four digits) call them ASAP! And, that's not all they do! If you would please tell us or send a private email who has or was offending you. Link to comment Share on other sites More sharing options...
almostretired Posted September 5, 2003 Author Report Share Posted September 5, 2003 The name of the firm is Corporate Receivables and they are jerks. Actually I went back and checked, and I paid them off in August 2002 (Alzheimer's makes time fly I guess) so I assume it is too late to start messing with them. The bill was not mine, but a family member who was paying for 2- 3 years then fell on hard times and got behind. She charged furniture at Rooms-To-Go in amount of $3500, paid for 2 to 3 years, and still owed (according to them, never validated) 2500$. Anyway it is paid but still listed on my CR under "current delinquent accounts" which the CRA says they can do for the next 7 years. Link to comment Share on other sites More sharing options...
georgiaboy Posted September 6, 2003 Report Share Posted September 6, 2003 The statute of limitations for suits under the FDCPA is 1 year from the date the violation occured...Limitation on FCRA is 2 years,, hmmIMHO, if the debt is paid in full, and you really really want to get this off your report/and or sue them, you can get them lol Link to comment Share on other sites More sharing options...
almostretired Posted September 7, 2003 Author Report Share Posted September 7, 2003 What I would really like is to get it off my credit report. I hate to be so dumb, but what is lol?Thanks Link to comment Share on other sites More sharing options...
kb9tbq Posted September 7, 2003 Report Share Posted September 7, 2003 The bill was not mine, but a family memberWhat this an account that belong to you - where as the purchase belonged to the family menber?Where you an Authorized User on this family members account?Just need to determine - how it is on your credit report if it belonged to another... Link to comment Share on other sites More sharing options...
almostretired Posted September 7, 2003 Author Report Share Posted September 7, 2003 This was my credit card that I allowed a family member to use to purchase furniture, with the understanding that family member would pay it off. Link to comment Share on other sites More sharing options...
kb9tbq Posted September 7, 2003 Report Share Posted September 7, 2003 You should immediately start your process off, by filing complaints with the reglatory board of the collection agencies in your state.Also with the federal trade commission at www.ftc.gov or I would suggest calling in their phone number. I have seen their online complaint method, not an easy one to deal with.Also with the better business bureau at www.bbb.com this is better then their phone method - don't hurt to much.Also with your attorney general, I am not familiar with this part, but they should have complaints on file to back up if this company has been taking such liberties with others out there.Get this started asap, so that you have a trail showing that you took all means to complain on the matter, you might just run into more information along the way from others that can help you further in this matter. Link to comment Share on other sites More sharing options...
almostretired Posted September 7, 2003 Author Report Share Posted September 7, 2003 Actually I did file a complaint with the FTC and with the BBB in Phoenix back when this all started. The problem now is that I feel that since I paid the full amt they requested and in view of the obvious violations of the FTC (which I was ignorant of at the time I paid) I simply want this entry off my credit report. Also, what is lol?Thanks Link to comment Share on other sites More sharing options...
georgiaboy Posted September 7, 2003 Report Share Posted September 7, 2003 "Anyway it is paid but still listed on my CR under "current delinquent accounts" which the CRA says they can do for the next 7 years."If the CA has it listed as the above, thats a FCRA violation, It cant be delinquent if its paid.Id sent the a validation letter based on the FDCPA,, if they even change your CR without validation, you have a violation,,Continued Collection Activity Its kinda like fishing, you get no bites without dangling a worm in the water lol Link to comment Share on other sites More sharing options...
kb9tbq Posted September 7, 2003 Report Share Posted September 7, 2003 lol = laughing out loud (you can find post in off topics covering other computer lingo for you to keep up with all the posting abbriviations).I would recommend following up on your past disputes and getting updated paper trail started on this matter.All the while dispute the incorrect status with the CRAs, and keep on them following up and such. You may yet get this off of your credit report - some things can take time though. Link to comment Share on other sites More sharing options...
georgiaboy Posted September 8, 2003 Report Share Posted September 8, 2003 If you keep disputing with the CRAs, there going to mark you dispute as friviolous, and or the CA will update your file to say PAID COLLECTION, or PAID, and it will still remain on your CR. Link to comment Share on other sites More sharing options...
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