Recently, my Husband got a letter from Forster & Garbus, claiming he owed $4,096.11 from an old Sears account we had. So I got in contact with him. He said there was nothing we could do to stop the judgment from going to court. He suggested we send as much as possible. That small monthly increments won't do.
Under their PHOTOCOPIED letterhead, it says a New York Law Firm. Well if they were any kind of lawyers handling debt, they Clearly should know according to the NYS Dept. Of Consumer Affairs A Creditor or anyone attempting to collect a debt, CAN NOT release any information to a third party. And he so freely gave it up to me.
I have been a victim to this scam as recently as last year. So I have experienced this and know a few helpful steps in trying to get these guys.
Make as many complaints as you can. File reports with all three credit report agencies. Usually if you complain to one Credit report company I am told they will alert the other two agencies as well.
Next I would contact social security so they can put an alert out. And Most certainly write to your local attorney general. They really do help. It's helped me before. I was shocked when I got a response from them within two days of my complaint. I left messages emails and letters.
By the way I found our old sears card account and the account #'s do not even match. Plus I believe in the state of New York there is a statute of limitations after 6 years. They claimed we opened the account in 2001. You do the math. And then he claims the account was still active as of 2003. NOT. However, he has my husbands social security number. Because upon checking his credit score, he found they had recently added to his report. So now his social security number was compromised.
I asked the gentleman at Forster & Garbus to PLEASE forward any records they had on this matter so that if we do in fact owe anything, I can see where we incurred these charges and show good faith. But he added he did not have those items. Convenient.
Maybe it's a disgruntled ex employee who stole some letter heads and ss#'s and he's using this company as a front. Maybe this company should be informed. I hope I can get to the bottom of this one as well as the scam Citibank tried to pull on me.
Be armed people. By that I mean. Log down everything. find old receipts, record who you spoke with and get their ID #'s. Because if you contact all these places to file a report, you need to have evidence to back it up. It makes things that much smoother.
I would LOVE it if a media company called me about this. Perhaps Chris Cuomo? Any lawyer that would be willing to take this on, bring it. I am now a victim twice. And I am not gonna let them take the zero money I have. Stop them from doing this to anyone else. Like our grandparents, family friends, people who are bullied by these tyrants and get money out of them. Earn an HONEST living like the rest of us. It's not all that bad.
The more it happens, the more I learn. Educate yourselves. It really is not that time consuming. The internet is a wonderful thing. When used CORRECTLY! I guess I kind of enjoy this kind of investigating. If I can help anyone with the knowledge I've gained through this experience, then that will be worth more to me than just getting these bastards. Good Luck.
Eastport, New York