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Just received 2 collections notices from RMA & Calvary..


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Hi Everyone,

I desperately need some help with the following 2 collection notices (see below). I received one from RMA for an account that BANK ONE never closed and kept open on my credit report and passed from agency to agency. The DOLA for the BANK ONE account was 12/1997.

The next collection notice is from Calvary on behalf of Sprint PCS. This is more recent as it is not scheduled to drop off my credit report until 6/2006. The last time I checked my credit report, the Sprint account was under NCO.

The only collection agency on my credit reports is the Sprint PCS one. BANK ONE is not on my credit report as it dropped off in 2004.

Should I worry about the BANK ONE debt as it has already dropped off or send them a letter to tell them to stop collection efforts. As for the Sprint PCS Debt, do you think I have a good chance at getting this one dropped too or will i have to settle with them?

HELP! - I may be in a position to get a security clearance and it won't be granted if i have too much bad credit.



Current Creditor: Risk Management Alternatives Portfolio Services, LLC


Principle Balance: $1253.08

Current Total Balance: $1402.87

Includes Interest of: $149.79

Interest Rate: 7.00% per annum

As you are aware, Risk Management Alternatives Portfolio Services, LLC purchased the above past due account rom BANK ONE CORPORATION. Collection responsibility for this account has been transferred to RMA. At this time we are making a generous settlement offer to you. In order to take advantage of this offer, send your check or money order, made payable to Risk Management Alternatives, Inc.

You actually owe: $1402.87

Settlement Amount: $771.58

Amount must be received by: 03-28-05

If you do not take advantage of this offer, we will proceed with our normal collection efforts. To disuss this account, please call 1-877-547-0129 or mail payments to: Risk Management Alternatives, Inc., P.O. Box 105044, Atlanta, GA 30348. To ensure proper credit, please return the bottom portion of this letter with your payment. This communication is from a debt collector. This is an attemtp to collect a debt, and any information obtained will be used for that purpose.


Original Institution: SPRINT

Balance Due: $549.72

Calvary Portfolio Services has designed 3 payment plan options that can help you find your way to financial freedom! We truly want to help you.

I. 20% Instant Discount Offer - You Pay Only $439.78

II. 5 Easy Installments of: $109.94 per month

III. Installments as low as $10 per month for the first 6 months if you qualify.

Please call our toll free number 800-861-5102 to discuss the details of these plans, as well as all available payment options. This offer expires 30 days from the date of this correspondence. Calvary remains committed to working with you, not against you. Sincerely, Customer Services manager.

This is an attempt to collect a debt. Any Information obtained will be used for that purpose. This communication is from a debt collector.

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Most definitely!

If the DOLA is 12/97 as you claim, this debt can't be reported no matter who has it now. If RMA is reporting this debt, they are in violation and you can have some fun with this. All you will need to do is send them a full C&D telling them to go eat Maggot Droppings or be sued. Included in your letter would be the verbiage that if they are reporting they are in violation of the FCRA as they have clearly reaged the account as the original date of delinquency will never change, period. Inform them you are filing complaints with your AG, their AG, the FTC, and the BBB.

As to the other, since it is still within the SOL, accept their offer ONLY if they agree to delete the entire TL at all CRA's upon receipt of payment. Be sure and get it in writing first.

And, as Willingtocope asked, what state are you in?

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HELP! - I may be in a position to get a security clearance and it won't be granted if i have too much bad credit.

As far as security clearances go tehy are not tough on this issue. Having been in sensitive programs for the military for 20 years and processing dozens of clearances for people working for me I can tell you they that unless you have a ton of bad and recent tradelines they do not care much.

During a time when I had my annual recertification they were not the least interested in 3 old collections on my CR. They were very concerned about what one High School Teacher told them about me. In that case when the FBI reinterviewed the teacher he realized he was confusing me with someone else.

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