ARA Samuel Wiser Ext.3460ARA Collections Scam ARA reincarnating dead (supposed)debt from over 12 years ago? Schaumburg Illinois

I would not give them any imformation. This could be a scam to get some imformation like bank account #s They also cannot touch your wages. I would also refuse to tell them were I work at also

One of the first things that you need to know is that if the alleged "debt" is 12 years old, it fails under the Fair Debt Collection Act (FDCA). The FDCA states that debts may only be pursued up to 6 years after they are due. Make them aware that they are pursuing a debt of over 12 years.

Next, I would ask for ironclad proof that the company that has issued the collection of debt has, in fact, gone out of business. That they are not available to view on the web is NOT an excuse. The part that sounds fishy to me, is that if the original company is out of business, why aren't they recouping their losses via their bankruptcy trustees?

ASK FOR PROOF!

Anyway, they are breaking laws under the FCDA according to your post... They CANNOT tell you that your wages will be garnished. They CANNOT tell you that they will repo your possessions. Please be sure and let them know that you know this information. They are not agents of the creditor to these ends (they are 3rd party collectors), and such actions take LEGAL process, not just their say so. Once the debt terrorists know that you know your RIGHTS under the FDCA, they should become more amicable to doing business on your terms, should you want to pay through them. However, you CAN tell them that you will only deal with the original creditor on the issue, and if they are out of business/declared bankruptcy or the like, it's just an indicator of the collectors wanting to cash in before everything goes toes-up.

You have RIGHTS.... Exercise them.

From what I understand this is an old debt , which means they are out of statutes of limitations. Do not give them anything because if you do it will reset the timer. Send them a certified letter telling them you want to see what it due. They can't contact you again for 30 days. Although I am told they can still sue you but their statutes have run out. Maybe file a counter suit against them if they decide to sue. But keep all logs whenever they call ect. If you did not co-sign for anyone then your in the clear and most likely its a leach trying to take money. I also did a search for A.R.A and found nothing on them. Except a international number. Go figure. Anyway your defense is it is out of S.O.L. The case will be thrown out from what I understand.

Good luck to you.