RJM Acquisitons is a rip-off! Selling bogus Fingerhut debts to Island National. Not only is the debt not mine, but it was well outside of the statute of limitations!Syosset New York

I am a debt collector and am the manager in the legal dept, and RJM is a company that dose illegly buy debt..For one, your debt cant be sold only assumed by a collection agency.. Also In the state of Texas.. write a letter of dispute to the company and the 3 credit reports **OVERNIGHTED** and if they do not respond to the letter within 30 days of them recieving it, than it's not a vaild debt and it will be removed from your credit(in texas). Also in texas a company only has 4-7 years to get you legally (depends on account) however they can collect the debt until it's paid.. With credit reports it will fall off 7 yrs after the LAST REPORT DATE!!! So what a lot of comp, do is put it as a "CHARGE-OFF" so it will remain on credit longer and then transfer the debt to another agency which CAN place it back on report.. It dosent go away until paid or proven not vaild..

Go to NACA.org, they are a lawyer network who specializes in this sort of thing. Many work on contingency fee, and even pro-bono.

Unfortunately, you have to sue them under FTC guidelines for violations of the FDCPA and the FCRA.

You have multiple issues here with multiple variables. I would not feel comfortable giving detailed advice here, as I am not a lawyer.

However, you can get a stay of judgement that would kill the garnishment, and you can also directly dispute the garnishment on several grounds.

If I remember correctly from my time living in NV, they can only take a max of 25% of your expendable earned income in a wage garnishment, and SS,disability,veterans comp, and unemployment are exempt.

The only exeptions are taxes and child support. They can wipe you out on both of those and leave you nothing to live on.

The SOL in NV for CC debt is 4 years. Do not speak with them, keep your certified reciepts and demand all communications be in writing. NEVER agree to pay them, it will hurt you more than help you.

WOW, garnished for medical bills! Unbelievable, even in NV! (I've been to NYE county quite a few times).

One way to beat a garnishment is to quit your job and go work for cash, or a service job where you live on unreported tips.

You have many options to beat them. It just takes determination.

Good luck

Steve,

If you can help, I'm burried in paper work with three possibly four seperate credit cards. All over 7 years old, one is a legitamit debt (don't know which?) I know I had one and diputed the extra charges on it, years ogo. Because of their added fees? I paid 200.00 in 30 days on a card with a 300.00 doller limit, their aditional add ons left me still in arrears?

Then someone who know who, ex-husband, new move in at old address had aparently taken out additional cards in my name? The multiple reports to credit bureaus are all screwed up, dates amounts ect? All beyond statutes of limitations. I had told the legitamate card I am willing to pay the amounts I charged, with no additional fees (several years ago). But have no clue which one is legit?

I disputed them all in writting, certifeid return receipt, requested signed documents yada yada. But this has turned into a nightmare.

Then another junk debt buyer is demanding payment on old medical bills, I was sued and wages garnished for? Yea I am probably the only person sued for medical bills (less than $1000.00) accepted and paid as a debt I owed? All the bills were paid and dates of service are over 7 years old. I can't prove I paid with cancled checks or other means it is paid off(wage garnishment?). As the stuff is to old? Yea I sent them a certified letter of dispute to, but how can I stop them from selling the debt to someone else?

I mentioned in all the letters it is illegal to sell disputed accounts, but what do these junk debt buyers care about laws? I can find, read and print the laws, being violated by these companies. But how do I get them enforced?

Marie,

I'm glad to know that someone else is on to these creeps. This guy "Steve" from Wantagh,NY..tried blasting me on another thread but cutting and pasting parts of my post, and putting in quotations.

Check out this other thread on Rip Off Report:

http://www.ripoffreport.com/reports/ripoff141972.htm

This guy is obviously a paid blogger or a collector to post this stupid crap.

I responded to his attack on me, and he has not come back. Typical collector.

NEVER call and verify information, never over the phone to anyone give personal information!!Are you crazy, Steve!! Does your company pay you to post here their rediculous crap!!

Robbie, use certified mail, demand information on this bogus debt from them, do not include any correct info in your letter!! As they just update the incorrect information with what you suply. The reason they are just as bad as Sherman Acq. is they are affiliated with that company, and other scum companies.

Keep copies, as they will probably sell or pass it on to another company, just for fun. These companies are identity thieves with a licence, they try cover their illegal actions with a few legitimat debts. And yes they are guilty of creating, or stealing old debts for profit.

I've received collection notices that were not mine also. All it takes is a simple phone call to clear this up if it truly is not your account. It's quite possible you share your name with others in this country and they picked up your address in error. I would suggest giving them a call to clarify the issue.