At the end of January of this year, we received a notice from RJM stating that they had purchased our past due debt from Fingerhut in the amount of $327.08, and that they would be willing to settle this account by deducting 60% off this billing if we paid $130.83 by March 6, 2008. The second option was to pay payments of $32.71 per month for a total 40% deduction to total $196.24, or finally the third option was to pay the full amount at $16.35 a month. Received a new billing statement today, and again there are three offers for payment, but now these offers are more expensive and the new deadline is June 8, 2008.
Now, I will admit that in the late 1980's and possibliy in the early 1990s, I did purchase items from Fingerhut, all of which were paid off and in my maiden name. This billing from RJM is addressed to my husband, who I know for a fact has never purchased anything from Fingerhut, nor have I since being married to him for the past 13 years. Secondly, if we owed Fingerhut any money, I have no doubt that they would have sent us bills, and we have never received any billings from Fingerhut, so I know this is a scam.
One of the things I noticed on this billing from RJM is that there is no phone number listed, only a fax number and I cannot locate a web address or email address for this company. I am not going to pay this account because I do not owe anything to these people, and I know the law. If I begin paying on this account, it means I am accepting this debt and makes me legally responsible for said debt. Therefore, this company is not getting a dime out of me, and I am going to turn them in to the BBB in New York.
I am glad that I decided to do a little research on the company before attempting to contact them because said research has provided the background necessary to prove this company is a scam and should be prosecuted on fraud charges.