Complaint Review: Merchants Credit Guide, Rick Hunter - Chicago Illinois
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- Author Confirmed
- Merchants Credit Guide, Rick Hunter 223 W. Jackson Blvd, Ste 900 Chicago, Illinois U.S.A.
- Phone: 888-249-4134 x 859
- Web:
- Category: Corrupt Companies
Merchants Credit Guide, Rick Hunter ripoff trying to collect on excused debt from 13 years ago Chicago Illinois
*Consumer Suggestion: Statute of Limitations
*Consumer Suggestion: Here are the REAL facts on SOL IL & NY
*Consumer Suggestion: LEGAL STAUE OF LIMITATIONS IS 4 YEARS
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My roommate received a call from Merchant's Credit asking to talk to me, and then rattled off my entire social security number to this person. The individual from Merchants who called me gave his name as Rick Hunter.
I called Rick Hunter and asked what he was calling me about. He stated they were trying to collect on debt from a credit card from 1992 - 13 years ago. This debt had been taken care of in 1999 when I purchased my house.
Through many more phone calls, I was able to speak with a manager who explained that in the state of Illnois, the statue of limitations on uncollected debt is 20 years ago. Here is another problem, the debt in question was from a credit card issued out of New York.
I am going to report this to the Illinois Attorney General's office and to the Federal Trade Commission.
These people need to be stopped.
Tia
Minneapolis, Minnesota
U.S.A.
This report was posted on Ripoff Report on 11/18/2005 10:08 AM and is a permanent record located here: https://www.ripoffreport.com/reports/merchants-credit-guide-rick-hunter/chicago-illinois/merchants-credit-guide-rick-hunter-ripoff-trying-to-collect-on-excused-debt-from-13-years-165079. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#3 Consumer Suggestion
Statute of Limitations
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Wednesday, January 18, 2006
The Statutes of Limitations for debt collections is different in every state.
There is no difference between secured and unsecured debt as previously suggested.
The 3 different variables are:
1. Written Contracts
2. Oral Contracts
3. Promissory Notes
In CA where Karen lives, the SOL is 4yrs on both written contracts and promissory notes, and 2 years on oral contracts.
SOL range from 2 to 15 years on credit card debt depending on your particular state, and type of agreement.
#2 Consumer Suggestion
Here are the REAL facts on SOL IL & NY
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Monday, January 16, 2006
IL: 10 years for written contracts which includes most credit cards. 5 years for oral contracts.
NY: 6 years, all debts.
You need to file separate complaints to the FTC for each violation. This maximizes the number of complaints in the database, which causes enforcement.
Also, check your credit report, most likely you have a collections entry now to deal with.
Send the collector a cease communications request. Send by certified mail, return reciept requested.
#1 Consumer Suggestion
LEGAL STAUE OF LIMITATIONS IS 4 YEARS
AUTHOR: Karen - (U.S.A.)
SUBMITTED: Sunday, January 15, 2006
I have had dealings with the very same company , and I need to inform you that the statue of limitations on open debt collection is 4 years (based on un - secured debt) and ( 7 years on secured debt). So there is no 20 year limitation on debt collection.
You shold refer to FDCPA Laws
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