GMC/Glass Mountain Credit- Velocity Investments

[Merk]

Got a call a few weeks ago: " sir this is jane doe with GMC credit, calling about your account with Chase, since this is more than 3 years old we can't sue you, but we are attempting to collect blah blah blah...." I said , do you have something in writing that you can send me to in order to verify this, and we will go from there?

"Sure sir, I will get my supervisor to send that...blah blah...you do remember this debt don't you"

I laughed and said..." I won't comment further on this matter until after I see the written document...

"Ok sir, we're just trying to blah blah"

I said well I know how this works...I'm not the run of the mill consumer...(thanks to basic info from this forum...I felt empowered)

She became defensive..."sir, I'm just blah blah...we are sending the letter and I just blah blah, we just blah blah..."

and I said...and again, "i will respond in writing when I get the written document" and hung up the phone.

They emailed me this, typical I take it?: My name and address

Velocity investments, llc has aquired the following adccount and is collecting the amount due through GMC credit services.

Creditor: Chase Bank USA

Reference#:11111

Balance Due: #1700 and some change

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. GMC Credit Services will not submit a negative credit report regarding this outstanding obligation until 60 days have passed since the date of this notice. Considering the IMPORTANCE of this issue and the need to resolve it in a timely fashion, your complete cooperation is requested.

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

Account number: 11111111 GMC account number: 222222 Account Balance: 1700(or so) Date of notice March 22, 2012

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My questions are, can I email them as a reply to validate this debt, will that be just as good? I figured it would be. Or should I send a letter certified, return receipt. ??

And, with this being more than 3 years old, do I have any rights or an I ask them to do this or that or something else besides just "i deny this please validate"

Also, What's the best way to check my credit report for free. I haven't in ages.

Thanks

[Coltfan1972]

I'd send the DV certified mail and email. But the law just says notify the collector in writing. So email is in writing. However, you would have some major admissibility issues if this blew.

However, they flat out told you that can't sue you. I'm not sure what the big deal is. You obviously know out of statute, they know it's out of statute and they have even confirmed that can't legally sue you.

If you're going to send anything, which I would not, why not just a full C&D.

[Merk]

I'd send the DV certified mail and email. But the law just says notify the collector in writing. So email is in writing. However, you would have some major admissibility issues if this blew.

However, they flat out told you that can't sue you. I'm not sure what the big deal is. You obviously know out of statute, they know it's out of statute and they have even confirmed that can't legally sue you.

If you're going to send anything, which I would not, why not just a full C&D.

I'm totally green on how all of this stuff works, my rights, options etc. Been doing most of my reading on actual cases, etc., when i get a chance, since I have a couple. Hell they probably won't make it to trial either, base on what I know/see.

So I can just send a cease and desist letter. Otherwise, can I do anything to protect my credit report/standing etc. They will just keep reporting or what?

[1stStep]

If the debt is more than 7.5 years old and it is reported, then you've got an FCRA and FDCPA violation... check your credit to see if they are on there...

[Merk]

I don't think it's that old

[BV80]

since this is more than 3 years old we can't sue you,

HA! They obviously read the information on the recent case against Asset Acceptance and are protecting their tushies.

If the OC is reporting on the CR, the JDB entry can't remain any longer than the OC's entry.

Is the OC reporting?

[Merk]

I'm not sure...what credit report source should I use to check?

[Coltfan1972]

All three of them. Not uncommon for them to all be different.

[Guest larry666]

They say GMC credit services when i call back. I dont have any business with them at all. This is NOT GMAC credit. This is either a scam caller or someone who buys junk debt and tries to collect. I did talk to them but he was very rude when that didnt work he threatened me with physical harm, so i hung up on that fool. He then called back using many 4 letter words. After i said im calling the police he hung up but said " You WILL hear from me or see me soon" , Sounds like a threat to me. Either way i would advise you NOT to talk to these low life scumbags.