RJM Acquisitions Funding Attempted to collect bogus debt from 1995 Syosset New York

As was suggested by another post, I sent a certified letter to RJM earlier today - requesting all information regarding this alleged debt. Assuming they reply, I will post their response.

As old debts are bought and sold, mistakes happen such as transposing a digit or two on the SSN and presto! The debt becomes "yours." This happened to me a few years ago.

Normally, these matters are cleared up with a simple letter.

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at http://ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. You may also request that they explain the following:

What the money they say you owe is for;
Explain and show you how they calculated what they say you owe;
Provide you with copies of any papers that show you agreed to pay what they say you owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show you that they are licensed to collect in your state;
Provide you with their license numbers and/or license numbers of their Registered Agent(s).

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

The burden of proof is on them. Normally a well written letter is all it takes to stop them in their tracks.

Keep a watchful eye on your credit reports and be on the look-out for a summons. Sometimes these junk debt buyers will file a civil lawsuit in the hopes that you don't respond and they win a default judgement against you. If you receive a summons in the future do NOT ignore it.

Good Luck.