Sam Streeter Lawyer Just Got a Call From CINDY at Sam Streeter Lawyers Office Houston Texas

If you have debts from 10 years ago, you should know that in Florida the Statute of Limitations is 4 years for accounts and 5 Years for open notes. This person who called you will dispute that in the hopes that you don't know the law. The fact remains, your 10 year old debt is uncollectible, so don't let them push you in a corner. Streeter's mailing address is PO Box 420848, Houston, TX 77242 and their fax number is: 713-782-9664. You should mail them a cease and desist notice, which legally prohibits them from contacting you by phone. If thy ignore it, then you should file charges against them for criminal harassment.
Max

If you have debts from 10 years ago, you should know that in Florida the Statute of Limitations is 4 years for accounts and 5 Years for open notes. This person who called you will dispute that in the hopes that you don't know the law. The fact remains, your 10 year old debt is uncollectible, so don't let them push you in a corner. Streeter's mailing address is PO Box 420848, Houston, TX 77242 and their fax number is: 713-782-9664. You should mail them a cease and desist notice, which legally prohibits them from contacting you by phone. If thy ignore it, then you should file charges against them for criminal harassment.
Max

If you have debts from 10 years ago, you should know that in Florida the Statute of Limitations is 4 years for accounts and 5 Years for open notes. This person who called you will dispute that in the hopes that you don't know the law. The fact remains, your 10 year old debt is uncollectible, so don't let them push you in a corner. Streeter's mailing address is PO Box 420848, Houston, TX 77242 and their fax number is: 713-782-9664. You should mail them a cease and desist notice, which legally prohibits them from contacting you by phone. If thy ignore it, then you should file charges against them for criminal harassment.
Max

If you have debts from 10 years ago, you should know that in Florida the Statute of Limitations is 4 years for accounts and 5 Years for open notes. This person who called you will dispute that in the hopes that you don't know the law. The fact remains, your 10 year old debt is uncollectible, so don't let them push you in a corner. Streeter's mailing address is PO Box 420848, Houston, TX 77242 and their fax number is: 713-782-9664. You should mail them a cease and desist notice, which legally prohibits them from contacting you by phone. If thy ignore it, then you should file charges against them for criminal harassment.
Max

If there is nothing on your credit report then why would you not call them? Chances are you have the same name as who they are looking for. If they proceed right, they will ask you for the last 4 of your social. You can give that to them because unless someone has the whole #, they can't hurt you.

Call them back and it will rest your mind. I've delt with these guys and all the horror stories you've seen are 99.9% crap. I paid my debt with these people and all is well. The only thing I can think of is that when people hear debt collector, the automatically get and attitude with them and like most other people, the debt collector gives the attitude right back. You have nothing to fear even if this is your debt. A phone call is really not going to hurt you is it now?

If there is nothing on your credit report then why would you not call them? Chances are you have the same name as who they are looking for. If they proceed right, they will ask you for the last 4 of your social. You can give that to them because unless someone has the whole #, they can't hurt you.

Call them back and it will rest your mind. I've delt with these guys and all the horror stories you've seen are 99.9% crap. I paid my debt with these people and all is well. The only thing I can think of is that when people hear debt collector, the automatically get and attitude with them and like most other people, the debt collector gives the attitude right back. You have nothing to fear even if this is your debt. A phone call is really not going to hurt you is it now?

If there is nothing on your credit report then why would you not call them? Chances are you have the same name as who they are looking for. If they proceed right, they will ask you for the last 4 of your social. You can give that to them because unless someone has the whole #, they can't hurt you.

Call them back and it will rest your mind. I've delt with these guys and all the horror stories you've seen are 99.9% crap. I paid my debt with these people and all is well. The only thing I can think of is that when people hear debt collector, the automatically get and attitude with them and like most other people, the debt collector gives the attitude right back. You have nothing to fear even if this is your debt. A phone call is really not going to hurt you is it now?

OK Here's what you can do to force the collection agency to back off and validate the debt:

FIRST - Read the Fair Debt Collection Practices Act at http://ftc.gov/os/statutes/fdcpa/fdcpact.htm.

It is important to understand the definitions used in the FDCPA, so I have included that section of the law. Many collectors do not fall under the FDCPA, so please read paragraph 6 and its subparagraphs very carefully:

803. Definitions [15 USC 1692a]
As used in this title --

(1) The term "Commission" means the Federal Trade Commission.

(2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium.

(3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt.

(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

(5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. THE TERM DOES NOT INCLUDE --

(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;

(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;

(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;

(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;

(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and

(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. You should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

Once they receive the letter, they must cease all collection efforts until they provide the written information requested. This is in accordance with the Fair Debt Collection Practices Act.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

Please note that simply sending the letter telling them to leave you alone does not absolve a valid debt. What the letter does do is force them to provide you with written validation of the debt and to stop all collection actions until you receive the information. Once you have the information, you should act on it accordingly by contacting the CREDITOR via certified mail.

Some other notes: Any statute of limitations does not absolve a valid debt; it merely prohibits the creditor from going to court to obtain a money judgment against you. IF there is already a money judgment, the statute of limitations most likely is longer - in New York State it's 20 years.

You can check the statute of limitations for debt in your state at http://www.fair-debt-collection.com/statue-limitations.html.

In addition, a credit report listing does not in any way determine if a debt is valid or not, or collectible or not that is what courts are for. There are 3 ways a valid debt can be absolved; you pay it off, the creditor forgives it, or bankruptcy court orders it absolved.

Section 809 of the FDCPA covers debt validation nicely:

809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Hope this helps

I can imagine that this is very stressful. I am not an attorney.

First suggestion- Check your credit report. go to FTC.gov and search the link for your free credit report.


Do not pay or talk with these people. Do not give them bank account numbers.
The best way is to either change your phone to a unpublished or start recording the calls. Let them scream and holler and threaten and give them no information.

Changing the phone number cuts them off. Its about 25.00 to do this

Go to Budhibbs.com. They have the low down on these BLOOD SUCKING MOBSTERS DEADBEATS.

Once you get your credit report- Dispute the items which are the result of your
ex. Chances are she is still running up bills in your name. That is fraud.

You need to gather documentation that you are divorced and how long you have been a resident of Florida. I say this because The Statute of Limitations in Florida is 4 years.

You might need to hire an attorney once you get the reports. Check Budhibbs.com
for referral to an NACA attorney.

Documentation is the key. If the charges were made in Michigan and you lived in Florida. You can't be in two place at one time.

The Mobster Collection Agencies must Debt validation. Debt validation letters are all over the internet. Send it certified.

You need to file complaints with Federal trade commission against any of the collection agencies that are listing on credit report and dispute them with the reporting agencies.

File complaints with the Florida Attorney General. They could help as a middleman.
They will not represent you.

Watch for Steve...He is a pro in dealing with these deadbeat collection agencies.
He may give you advise.

DO NOT GIVE THEM INFORMATION. DO NOT GIVE THEM AN AFFFIDAVIT. THEY USE THE INFO TO SUE AND HARASS YOU AT YOUR JOB.

IF THEY SUE DEMAND DISCOVERY. COPIES OF SIGNED AGREEMENT AND TRANSACTION RECEIPTS. YOU ARE ENTITLED TO THESE UNDER FACT LAW. CHANCES ARE IN COURT THEY CAN NOT PRODUCE THESE DOCS. MOST IMPORTANTLY FILE A DEMAND FOR A JURY TRIAL. DO THIS WHEN YOU FILE YOUR ANSWER TO THE COMPLAINT AT THE CLERK OF COURTS. THIS MUST BE DONE WITHIN 5 DAYS OF FILING YOUR ANSWER. SEND THE OTHER PARTY A COPY. MAKE THEM PROVE THE SIGNATURE IS YOURS.



GOOD LUCK

(If) you do talk with them on the phone DON'T agree to anything, don't give any information expect your home address.

Do not tell them this is your x-wife doing, until you have all the facts.

look up the statute of limitations in florida and Michigan.

also go to (((ROR REDACTED LINK FOR SECURITY PURPOSES)))
read that page then click on the home page, this site give you some great information on texas law and information on texas collectors.

Never admit to anything on the phone and assume your calls are recorded. just play nice and ask they mail you the information, for you to review, once you have it STAY off the phone and then you can take steps to have them not calling you at home or work and get validation.

another site is (((ROR REDACTED LINK FOR SECURITY PURPOSES))), he has information on Sammy.

becareful of the information you place here, several collection agency read this site, and some try to give wrong information.

I'm not an attorney and I'm not saying my advice is better then anyone else's here, but the best advice I have, is start reading up on Florida civil rules and laws and SOL. If your being contacted by a collection attorney, its best to get started soon, then wait for a summons and rush making mistakes.

also once you know what's going on, if need be contact your own attorney.

good luck


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