RJM of NY -- What's the best way to go?

[TomnTex]

Hi all, fairly new here. Have been reading for weeks, learned a lot, but have two questions I hope some of you more learned readers could help me with.

The first one is, I keep getting dunning letters from RJM on an old zombie debit that is way out of SOL. In the past I have sent both a C&D and a DV letter to them. But, over the past five years, I keep getting a notice to pay up about every six months to a year from them. What do you suggest I do on this? It seems they won't listen when you tell them to go away.

My second question, I have an account that was joint with my EX, she had the RV in her pocession at the time of divorce, so the court gave it to her. She is suppose to pay for it, but let it be reposessed, now they want me to pay.

This happened in 2008. I think they are trying to re-age it on me, but my main question is this. The SOL is 4 years in TX. It should run out next year about this time. BUT, I am moving to OR in a few months, their SOL is 6 years. Will the Tolling cause me to add another two years on to my time? If so, hopefully I can maintain my address here in case they try anything until the time runs out, and then hopefully they can't add the other two years on if that is the case.

Looking for any and all advice here. Thanks again, great site.

[BV80]

The first one is, I keep getting dunning letters from RJM on an old zombie debit that is way out of SOL. In the past I have sent both a C&D and a DV letter to them. But, over the past five years, I keep getting a notice to pay up about every six months to a year from them. What do you suggest I do on this? It seems they won't listen when you tell them to go away.

Send a C&D (cease and desist). Tell them it's not your debt, you don't owe it, and never contact you again. Send it CMRRR. When you get the signed green card back, save it with a copy of the letter. If they send you another notice...violation. At that point, it would be up to you as to how to handle it.

This happened in 2008. I think they are trying to re-age it on me, but my main question is this. The SOL is 4 years in TX. It should run out next year about this time. BUT, I am moving to OR in a few months, their SOL is 6 years. Will the Tolling cause me to add another two years on to my time? If so, hopefully I can maintain my address here in case they try anything until the time runs out, and then hopefully they can't add the other two years on if that is the case.

If you move out of TX before the TX SOL is up, the remaining time is tolled in TX. For instance, if you move to OR 6 months before the SOL is up in TX, the SOL clock stops in TX. If you ever move back there, the SOL clock will start again with 6 months remaining.

I'm not clear how moving to another state with a longer SOL affects a debt. I know the state's laws can affect it. There's also choice of law. Just a bunch of laws!

[TomnTex]

Thanks BV80, That was what I did in the past, sent RJM a C&D etc. But, it's like they could care less and continue to send them. I wasn't sure if I had a violation now that I could try and sue them for. That's why I posted. I was not sure which way to go there.

On the tolling, that was confusing. I did not plan to move back to TX, so I was wondering just how that effected my SOL, from what your saying, if they caught up to me in OR before the time barred SOL of TX, I might still be able to claim TX SOL if I understand you right.

Again, thanks for the help.

Tom

[BV80]

Thanks BV80, That was what I did in the past, sent RJM a C&D etc. But, it's like they could care less and continue to send them. I wasn't sure if I had a violation now that I could try and sue them for. That's why I posted. I was not sure which way to go there.

If you sent it CMRRR, got a signed card back, and saved it along with the letter, you have a cause of action. If you don't have any of that saved, do it again, and this time, save everything.

On the tolling, that was confusing. I did not plan to move back to TX, so I was wondering just how that effected my SOL, from what your saying, if they caught up to me in OR before the time barred SOL of TX, I might still be able to claim TX SOL if I understand you right.

Read Oregon's debt collection laws. There may be something there that could help you. In the case of a credit card, one could look at the laws of the home state of the credit card company. I believe it's called choice of law. I'm not sure exactly how it works, or if it works with a debt such yours which would be considered a "secured" debt.

Hopefully some other members will chime in here.

[TomnTex]

Thanks again BV80. I used to live in South Carolina years ago. I own a house here in TX which I am trying to sell. I figure that based on that I can try and maintain TX residency until the SOL is up next year. But, by the same token, I am in the process of buying a house in OR. Hopefully, this will get me by all that.

Tom

[Hal Jordan]

These guys have a very bad rep and have been sued by the NY attorney General's office.

I had a charge off from HSBC that was on my report with Sunrise credit services being the CA for that charge off. I got the Charge off deleted from all 3 cra's and did a DV with Sunrise. A month goes by and don't hear from them and all of a sudden I have a new CA on my reports with the same account number and it's RJM. I immediately call all three credit bureaus and dispute both as a duplicate. All three CA's deleted Sunrise immediately over the phone but said they would have to verify RJM.

A little time goes by and I get notices saying that the RJM debt has been validated and remains. I also get a settlement letter in the mail from RJM saying they learned I disputed their account with the CRA's and that they take their reporting to the credit bureaus VERY seriously yada yada yada. They then proceed to offer me a reduced settlement with 3 different payment options. I sent them a DV letter instead.

I am waiting this out to see if they respond as they got my DV letter within the 30 days of the dunning letter to me. If they don't respond I'll send everything I have to the CRA's asking for deletion.

Anyway, they are a bad news CA that has a history of violations including telling people they were going to have them put in jail for not paying etc.. Not nice people.

[TomnTex]

I am hoping to get them on violations as well. As I mentioned above, I would send them a DV and C&D CMRR and they would go away for awhile. Now they are back again. If this bill is even mine, it more than fifteen years old. I was going to wait a couple of weeks and do it all over, except this time I was going to throw in an ITS if they don'y stop completly and close the file.

If anyone else has any histor on RJM, would appreciate input here. Thanks to all.

Tom

[Florida_Bronco]

I am hoping to get them on violations as well. As I mentioned above, I would send them a DV and C&D CMRR and they would go away for awhile. Now they are back again. If this bill is even mine, it more than fifteen years old. I was going to wait a couple of weeks and do it all over, except this time I was going to throw in an ITS if they don'y stop completly and close the file.

If anyone else has any histor on RJM, would appreciate input here. Thanks to all.

Tom

If you have the supporting documentation (green cards, original letter, the ones they continued to send) I'd file suit tomorrow.

[TomnTex]

That's my problem, I have the original letter from 2009 on my computer, but, I am in the process of moving so everything is packked up and I don't even know where the green card is. Other wise I would.

Thanks for the help everyone.

Tom