RJM Acquisitions Funding ripoff Syosset New York

I recently received a very similar "We are your new creditor" Notice... for a Montgomery Ward Account that was paid years ago. The account had a high limit of $500 and they say I owe $1400 +, now I have not had so much as a blemish on my report for years.

Now, how do I dispute their BS claim when my proof of payment is long since gone. This account was opened back in 1991, charged off in 1994 and settled in 2000 before I bought my first house.

Weird, ever since my credit score got into the super A credit area, I am getting a lot of shady people trying to get money out of me. One might say it is extortion, holding your credit score hostage...

I recently received a very similar "We are your new creditor" Notice... for a Montgomery Ward Account that was paid years ago. The account had a high limit of $500 and they say I owe $1400 +, now I have not had so much as a blemish on my report for years.

Now, how do I dispute their BS claim when my proof of payment is long since gone. This account was opened back in 1991, charged off in 1994 and settled in 2000 before I bought my first house.

Weird, ever since my credit score got into the super A credit area, I am getting a lot of shady people trying to get money out of me. One might say it is extortion, holding your credit score hostage...

I recently received a very similar "We are your new creditor" Notice... for a Montgomery Ward Account that was paid years ago. The account had a high limit of $500 and they say I owe $1400 +, now I have not had so much as a blemish on my report for years.

Now, how do I dispute their BS claim when my proof of payment is long since gone. This account was opened back in 1991, charged off in 1994 and settled in 2000 before I bought my first house.

Weird, ever since my credit score got into the super A credit area, I am getting a lot of shady people trying to get money out of me. One might say it is extortion, holding your credit score hostage...

Dana,

Never speak to any collector on the phone...EVER!!
It will never do anything positive for you, and will always make the situation worse. They want to speak with you so they can terrorize you and coerce you into making even a small payment that would reaffirm an otherwise uncollectable debt.

This is the game they play. They are JUNK DEBT BUYERS who buy "debts" of this age/type for less than a penny on the dollar, and most are time barred and they know it. Every state has a statute of limitations [SOL] for legal enforcement of debt collections. Yours in TN is a max of 4 years depending on the type of debt. This is 4 years from date of last activity, or charge off, whichever is later.

Do everything in writing by certified mail, return reciept requested. Put the certified# on the letter itself, and keep a copy for your records. Now you have solid documentation that you can use to sue them with and/or prosecute them.

Go to FTC.gov and file a complaint on them each time they call. You can do this online in 2 minutes. While there, read and print out the FDCPA which outlines your rights, and tells what they can or cannot do legally.

Have fun with these crackheads.