ARA - Asset Recovery Associates ara say we owe a bill from 1994 that we thought we had already taken care of. they said they would garnish my husband check and keep our tax refund if it was not paid. to call them back in 30 minutes schaumburg, Illinois

The statute of limitations has long passed, they're trying to scare/scam you.

This is 2010, the statute of limitations is 7 years or less.

After the Statute of Limitations has passed they CANNOT sue, that means their threat to Garnish your Wages is an empty threat. All they can do is harass you.

 (To Garnish they must sue first, if they don't then they're just thieves.)

If they take ANY action, such as Garnishment / Tax refund seizure, you can jail them.

They're hoping you don't know this and trying to Bluff/Scare you.

NEVER AGREE TO PAY (That makes their collection legal) and tell them you're aware of their attempted theft, they'll bluff, scream and lie, but they truly have NO power to force payment at this late date.

Go online to Budd Hibbs website and see for yourself.

Budd Hibbs is a consumer protection website designed to tell you the truth about these scum "Debt" Collection agencies.