RJM Acquisitions Funding ripoff fradulent collections saying I owe Fingerhut $134.22 from 1997 Syosset & Hauggauge, New York

Susan,



That old debt from 1997 is past the statute of limitations, and is uncollectable. It is illegal to re-insert a previously disputed/removed item to a persons credit file.



As far as the class action lawsuit, don't waste your time. They rarely go anywhere, and when they do you only get pennies. People want class actions because they want someone else to handle the problem for them. I say, handle the problem yourself and get paid.



The FTC site allows you to file a COMPLAINT, not a dispute.. Go to the "consumers" tab, then click "file a complaint". The FTC does not act on complaints on an individual basis, they wait for a certain# of complaints and then go after the creditor or collector involved.



RJM is a junk debt buyer who paid about 1/10th of a penny on the dollar for that old uncollectable debt. They know they can't collect it unless a consumer is stupid enough to make a payment, or promise to pay, which would validate it and make it collectable. This is what they count on. They would never sue on an amount that small.



NEVER speak to them on the phone, and do not respond to the letters. The next one you get, don't open it, just mark a line through the address and write "not at this address" and drop it in a big blue mailbox. Or better yet, mark it "deceased". You have to just have some fun with these idiots.