First of all, I have a great credit score which I worked hard to gain and maintain! Then, several months ago, I start getting phone calls from a company called, Portfolio Recovery. Some have told me their names but the the most part, they do not tell me who they are. In one such phone call, they responded in the affirmative to my question: telling me the debt I owed them for collections was created in 1994!
One, I told these individuals that this debt was no longer legally sustainable: via the Statute Of Limitations (7 Years), which had transpired.
Two, I reviewed my credit report and all debts from that time-period have been removed from my credit portfolio!
Three, the standard attacks from Portfolio, have been to call every week; most of the time I do not answer since I have identification on my Vonage phone. I also have all the calls recorded, in the sense that they can be looked up on my Vonage customer site.
Four, they have called me at 8:45 pm, I have made them aware that these calls are not legal past eight pm. Then I am told they can call as late as nine pm!
I have not looked at the statute recently but if memory serves me: it was eight pm.
Five, I have told these individuals many times that they can not call my home and that they are from that time forward: to write me the details their collections and or authority. They again called this morning at eight am. Again, I saw who it was via the indent: and did not pick up. Nor did they leave a message all though they have in the past.
In most cases, collection agencies give up at some point and move on. I tell them about the statute and then they will go into how legally they 't touch me but ethically: I should submit payment!
My ex-husband created these debts when we were married on my cards or as a couple: I will not pay anymore for the past and the law is on my side. I noticed from the beginning that there was something different about these people.They have not used fowl language or threats yet but this debt is not legally sustainable in a court of law: just the fact that they will not stop the calls and they will not write me so I may respond with all the appropriate legal backup is upsetting! Towards a debt which died a long death many years ago!
Therefore, I intend to do a back-trace on the numbers they left behind and write them via certified mail. I will keep an eye on my credit and finish this. However, if there is anyone who can give me any information I can use against them in my letter: please feel free to do so. I am a Paralegal, and intend to use the law and slam it down their 'collective throats'!
Knowledge is power. Thank you for your support.
North Andover, Massachusetts