Sentry Credit, Inc., Resurgent Capital Services, Sherman AKA, Collecting OLD debts or debts already paid off Everett Washington

This "ex-employee" is full of it. As a current employee, I know the score. Nothing like trying to polish a rotten apple. The fact is that we are hired in this situation by a "debt buyer." We collect on their behalf.

If the debt is past the statute of limitations in the consumer's state, they still owe it, but can no longer be forced to pay it. It also will come off that consumers credit report. If the consumer makes a payment, it would re-start the clock on the statute, and the debt would be again enforceable by legal means, and reportable as well. The previous posting was  intended to overshadow the truth.

Bottom line is that if a debt has been delinqent for a long time, it would be a good idea to check and see if this debt is still within the time frames listed within the statute in your state as an enforceable. If past the statute of limitations, you are not legally obligated to pay it- you can't be sued, and the debt cannot be credit reported. And FYI- we are not all slime, and we are not all inter-related. You have the good and bad in all industries. Collection agencies are necessary entities.

I hope this had shed some light for you.

Not that I don't understand where you are coming from...I used to work for Sentry Credit Inc. Quit about a year and a half ago. I just wanted to shed a little light on the situation. At Sentry we were retained by banks. More often then not we were the last step before our "consumers" were taken to court. I had actually had to send some to processing myself. Sentry is not a debt buyer. Every once in a while the bank will send us an account that MIGHT be out of statute. Of course we would still try to collect the money, you still already borrowed and spent the money right?? Strange thing is.. It seems everyone is trying to get something for free. You did not complain and throw fits when a bank was writing you a check, and I GUARANTEE you would not go through the hassle of hiring a third party if somebody owed YOU $5000.00 right? You would probably contact an attorney and pursue it the American way. HOWEVER, writing a letter to stop any collection action is only hurting you. A letter is not going to make a bank go away. It's not going to keep them from suing you. It's just going to take away ANY opportunity of payment arrangements or a settlement. Not only that you would get the satisfaction in knowing you lived up to your obligations and made good on your word. :) 

but isn't it against the law to place something on someone's credit report that is over 7 years old? In this case it appears the collection agency would LOVE for you to call them so they can attempt to intimidate you into paying something on an account that is over 10 years old so they can then restart the clock.

I just wanted to let you know that no matter how old the debt is you STILL owe it. I work for Resurgent Capital and I have seen debt as old as 30 years old. I also happen to know that we are willing to work with our customers in every way possible to get this taken care of. Please dont just write us off as just another collection company. Please call and see what we can do to work with you to get this taken care of. It is possible this may still be on your credit report depending on your state laws and statue of limitations for your state. And for you info, just because a debt is written off dosent mean you dont have to pay it. A debt that is written off means it has been sent to collections or bought by another company. If you don't get this taken care of you could be hearing about this debt for a very long time. We all do get into situations where we get in a bit over our head but it is never too late to try to correct the situation. Good luck and I hope this helps.

10 years, eh? I'd check your state's statute of limitations for debts. You might find it interesting to say the least. For more free information, visit budhibbs.com

I'd also send them a cease communications letter. Sample here, good luck!

(Collection Agency)
(Their address)


RE: (Their account number and original creditor if you know it)


Dear Collection Agency,


This will serve as your legal notice under federal law of the Fair Debt Collection Practices Act of Congress (FDCPA), to cease ALL communication with me in reference to the above account.

If you don't follow this notice, I will be forced to file a formal complaint against you with the United States government agency, the Federal Trade Commission, who is responsible for enforcement, the state Attorny General's Office and the American Collector's Association who monitors collection agencies for non-compliance with this federal law. I have decided that I don't desire to work with a collection agency under ANY circumstances. I will contact the alleged original creditor of this alleged debt to resolve this matter directly.

You are also notified that if any adverse items are placed against my credit reports as a result of this notice that I will be forced to take appropriate action against your agency, your client and any person employed by either who violates this federal law, with civil and/or criminal charges.

Give this matter the attention it deserves as the consequences could be severe.


Very truly yours,


(Sign your name)

(Type your name)