Ken Hughes Collect debt from a dead man! Ripoff Chicago Illinois

Jerry,

First, I'm sorry you have to relive the pain of losing your son. I know how painful that is. And, you have no legal obligation to discuss anything with them or pay your dead son's debt.

Merchants Credit Guide Co are primarily JUNK DEBT BUYERS. They buy mostly VERY old, UNCOLLECTABLE, out of stat debt. If your son has been dead for 8 years, that means this alleged debt is 10-12 years old! They only buy debts that are at least 3-4 years old, after several other agencies have failed collections and given up.

You simply need to send a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

They will go away.

Jerry,

First, I'm sorry you have to relive the pain of losing your son. I know how painful that is. And, you have no legal obligation to discuss anything with them or pay your dead son's debt.

Merchants Credit Guide Co are primarily JUNK DEBT BUYERS. They buy mostly VERY old, UNCOLLECTABLE, out of stat debt. If your son has been dead for 8 years, that means this alleged debt is 10-12 years old! They only buy debts that are at least 3-4 years old, after several other agencies have failed collections and given up.

You simply need to send a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

They will go away.

Jerry,

First, I'm sorry you have to relive the pain of losing your son. I know how painful that is. And, you have no legal obligation to discuss anything with them or pay your dead son's debt.

Merchants Credit Guide Co are primarily JUNK DEBT BUYERS. They buy mostly VERY old, UNCOLLECTABLE, out of stat debt. If your son has been dead for 8 years, that means this alleged debt is 10-12 years old! They only buy debts that are at least 3-4 years old, after several other agencies have failed collections and given up.

You simply need to send a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

They will go away.

Jerry,

First, I'm sorry you have to relive the pain of losing your son. I know how painful that is. And, you have no legal obligation to discuss anything with them or pay your dead son's debt.

Merchants Credit Guide Co are primarily JUNK DEBT BUYERS. They buy mostly VERY old, UNCOLLECTABLE, out of stat debt. If your son has been dead for 8 years, that means this alleged debt is 10-12 years old! They only buy debts that are at least 3-4 years old, after several other agencies have failed collections and given up.

You simply need to send a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

They will go away.

First, they can attempt collections on an account once the statute of limitations has expired. Once the SOL has expired, it means that a collector has no legal recourse to get the payment. I am assuming your son was also in Kansas, so the statue of limitations would have expired. However, if he was in Ohio, or Rhode Island, the account may not be past the SOL.

Secondly, and this may be a stupid question. Have you told Ken Hughes that your son has passed away? Collection agencies do not know that information until they are told. Once they are told this, they are usually going to do a public records search. If nothing comes up in a public record search, they may ask for a copy of the death certificate. Obviously, they are just trying to get proof that they made a bad investment. Unfournately, the accounts do not list whether the person is alive or not (at least in my office).