Merchant Credit Guide sent letter that I defaulted on Associates for $1094.39. I paid off this loan in 1998. Chicago Illinois

I have also had this company contact me for a bougas account. They wanted to collect on an 20 year old bankruptcy account.So I can understand your feelings about this matter. The company even suggested that I three debt repayment plans, in order to get money and defraud the consuer ( myself).

I would like to suggest that you do the following as I did:

I contacted the FTC, and then I contacted the Chicago Tribune and spoke with investigative reporter Sam Roe, and then I e- mailed the CBS 2 News in Chicago ILL , and received a e- mail and response from investigative reporter DM Tucker.

Also I e - mailed the U.S Postal Serice to complain of mail fraud, and then I also contacted the F.BI.becuase this company has used the U.S Postal Service to sent letters in order to defraud the consumer.

I also contacted the NBC News here in Los Angeles Ca and spoke with a investigative reporter Lisa Dafri.

Contact the very media in the very city where the company is and inform or complain about the current consuemr fraud practices.

This is consumer fraud.........

I got one of these letters from this company saying I had defaulted on 2 credit cards and they suggest 3 ways that I could pay them off but the only things was these debts were back in 1986 and do not even appear on my credit report and matter of fact I have a card from one of the accounts I defaulted on and they have never asked me for any past due money.

When I got this letter 3 days ago I was real worried and I thought well I could pay this now but after talking to a friend he said most likely they were a scam and so I put their name in a search engine and wow I got this site and found out it is a real scam and decided I did not owe them nothing.

The statue of limitation has run out and they can take to court if they can find a court that want laugh them out of it.

Thanks for having this site. I am glad I check this company out or I would have paid them what they wanted and never thought nothing about it except that I would have been ripped off.

This is a good site to come to when you need to find out about companies that want to rip you off.

They recently bought a ton of debt from Camco. put camco in the search box to find out just how great that company is. Even had you not paid the debt off in 1996 the statute of limitations is over. In oregon they have 6 years from your last payment to sue you and that has expired.

This debt is more than likely more than 7 years old so they cannot legally touch your credit. Your best bet is to send them a letter that basically says 1)they must cease and desist all communication with you and 2)this debt was paid off over 6 years ago and 3)the statute of limitations in oregon on this debt is 6 years which has passed so any legal action taken against you would be illegal.

SEnd it certified mail return receipt requested. I need no personal info and have letters you can use and since I am a volunteer you get them for free.