Northland Group,Inc. - NCO Financial Group - LVNV Funding LLC Demanding money from me for a sears account charged off more than 7 years ago Baltimore Edina Minnesota

First comment is Ditto everyting that Lynda said.

Factually if this is a debt that is over 4 years old and you are in Texas the Statute of Limitations to file a lawsuit is passed.  I would send them a debt validation letter and state that you are unaware that you have any outstanding debt obligations on the alleged account.  This is a true statement because you legal obligations expired 3 years prior even if the debt was truly yours.  Never admit the debt or agree to any payments.  This can trigger the SOL clock to start again. 

Now this is for Kassia;  You are a condescending b*  I feel sorry that you work in the lowest of the bottom feeding occupations in our country - Scum Bag Bill Collectors.  The tactics and lies used by your industry to trick, harrass and intimidate consumers just sickens me.  Actually before you wrote your post you should have know that the SOL has expired on this persons alleged debt.  You know you have no legal recourse and can only send letters and threaten people to part with their money when they have no legal obligation to do so.  Like Lynda stated some people have live events that cause financial turmoil and it is only worse when the cockroaches of America call and threaten you on an old debt.   The industry charges interest based on condumer risk as they know that there is a certain percentage of defaults that historically happen.  This is why they charge off the account and cut their losses by selling it to scumbag cockroaches like you.  Now the truth is that your company is gambling on what percentage of old debts they can collect on.  You are taking a risk and for the most part the creditor has written this off and moved on.

This industry has sprawled because declaring yourself Bankrupt has gotten much harder at the same time that the economy and job market have gotten worse.  These people who the scumbag debt collectors attack as being bad people actually feel bad enought that they are in economic trouble.  When you clowns call and attack them as dead beats it only makes things worse.

My dear, you work for bottom feeders who knowingly break the law!

She did NOT commit theft. I am sure she meant to pay her obligations. Nobody knowingly skirts their obligations, except in the eyes of bottom feeding scumsuckers like you.

Life happens, moron! People die, lose their jobs, become ill and have staggering medical bills, whatever the case may be. You don't know why this happened, yet scumsuckers like you have the UNMITIGATED GALL to judge people. Get a real job!

Your account was sold because Sears felt they were still owed for you debt. They were able to make some money off of the account you failed to pay off by doing this. Yes the bill that you didn't pay off may have started off at around $150 but there is a small matter of interest. This company didn't go searching for your account despite you. This company is doing a job that was requested of them. My suggestion would be that you pay the bill. People make all kinds of excuses about med bills and utility bills because because it was a service that you can't actually see but in this case it is clearly theft. You went to Sears charged merchandise and didn't pay for it that is a much cleaner version of shoplifting. I know you are arguing this in your head, but why?