• Report: #413614

Complaint Review: Receivables Performance Management,LLC AKA RPM

  • Submitted: Sun, January 18, 2009
  • Updated: Sun, October 18, 2009

  • Reported By:ANAHEIM California
Receivables Performance Management,LLC AKA RPM
20816 44th Ave W LYNNWOOD, Washington U.S.A.

Receivables Performance Management,LLC , RPM IDIOTS HARRASING,RUDE SENDING LETTERS AFTER CHAPTER 7 WAS FILED LYNNWOOD Washington

*Consumer Comment: Not sure about C&D

*Consumer Suggestion: Cease & Desist

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They keep trying to contact me by phone and mail. I have told them in no uncertain words that I have filed Chapter 7 and gave my attorney info and they still try and collect from me.

each time I get something I tell them again apparently they are either really really stupid and clueless as to the laws protecting someone who has filed bankruptcy or they think I don't have a clue and don't know that rules exsist. Poor pitful little idiots. Not only do I know the rules I have been in credit and collections for 30+ yrs and know the laws inside and out. Filing Chap. 7 was something I tried to aviod but things happen to the best of us and you gotta do what you gotta do. Hope they get it this time when they get a summons to court for harrassment. Poor Saps!!

Debbie
ANAHEIM, California
U.S.A.

This report was posted on Ripoff Report on 01/18/2009 05:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Receivables-Performance-ManagementLLC-AKA-RPM/LYNNWOOD-Washington-98036/Receivables-Performance-ManagementLLC-RPM-IDIOTS-HARRASINGRUDE-SENDING-LETTERS-AFTER-C-413614. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Not sure about C&D

AUTHOR: Tim - (U.S.A.)

This report has some dust on it, so I don't even know if this is relevant anymore.


The remarks by "anonymous" are pretty much accurate. If the Chapter 7 was dismissed without discharge, then the debt is still collectable.


HOWEVER, if you received a discharge, and assuming that this creditor, or one of their predecessors was on the mailing matrix, you have stated a violation of the bankruptcy code.


So, if they are still trying to collect, I would NOT advise a cease and desist letter. Rather, I would send them a copy of your discharge order, together with a letter that any further attempts at collection will be treated as a violation of the Bankruptcy Code, U.S. Code Title 18, and any and all other applicable state and federal laws.


If, after receiving such letter, they continue collection efforts, I would either use your original bankruptcy attorney, or find another attorney who is versed in bankruptcy law, and file a complaint with the bankruptcy court.


Best of luck!

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#2 Consumer Suggestion

Cease & Desist

AUTHOR: anonymous - (USA)

I've done collections for the past 10 years. If they are calling you and you just filed for a Chpt.7 then have your attorney file a cease and desist. But if you retained an atty and the Chpt.7 hasn't been filed, they can still contact you. But if you filed a Chpt.7 it may have been dismissed and that gives them right to collect the debt. Just like if your chpt.7 was dimissed and you still refuse to pay and your debt is still within statue of limitations they can pursue other action to collect the debt. You should look up the statue of limitations for the state you live in and the type of debt it is whether its oral or contract.

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