A man left a message on my machine claiming that he was from ¡§Debt Enforcement¡¨ and was trying to transfer a warrant to my jurisdiction. The caller ID correctly showed ¡§Debt Enforcement¡¨ I thought it was a civil warrant server trying to serve me or I would have never called him back.
Turns out he was a debt collector trying to collect on a Circuit City FNAB account that was almost 9 years old. He used all the threats and excuses that I see in all the CAMCO posts. Im just wondering if this is CAMCO operating with a new spin or a new agency trying to use the CAMCO approach to collect on old time limit expired debts. In the end he hung up on me when I told him to transfer me to his accounts payable department. I wanted tell the clerk that I had a 9 year old unpaid invoice for some office supplies they ordered and I needed for her to send me a check. ļ
My advice:
Know the laws for your state. Use the internet to find out all your rights.
Don¡¦t acknowledge or worry about anything older than the statue of limitations.
Dispute any credit report entry if the original account is over 7 years old. When a collection agency does this they call it ¡§restarting the clock¡¦.If you dispute it with the credit bureau they have to remove it.
Hang up on them and always send a cease and desist letter by certified mail.
You don't owe them anything proving that you paid, didn't pay, picked up the check or anything else relating to the debt. Don¡¦t waste your time trying.
Don¡¦t feel any more threatened if it's from ¡§XYZ¡¨ atty. of say New York if you live in say California. These are usually just big collection agencies owned by a law firm so they sound more threatening. In order to sue you they have to get a California licensed atty. This cost them money so they will just go on to somebody they can badger into paying.
If you are still within the statute of limitations on a debt don't worry yourself sick about it. Getting served with a civil warrant is not as bad as it sounds. If you have some bad debt it is a real but small possibility. Believe me, most collection agencies won¡¦t pay a local lawyer to have you served in your jurisdiction. You have options and remedies after they serve you. Getting served doesn¡¦t automatically mean garnishments, seizures, etc. One option you have is something called slow pay through the court. The collection people hate it when you do this. A plus side is that if they went that far and involved the court then it makes it hard for them to play ¡§fast and loose¡¨ with the rules.
Hope this helps some of you
David
Gallatin, Tennessee
U.S.A.
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