Merchants Credit Guide ripoff attepts to collect 13 year old dept Chicago Illinois

Debra, you can look up the exact date and info behind it, but Montgomery Wards ceased to exist in 2001. I don't know if your debt is legit, or if Wards going out of business excuses you from paying it, as I am not a lawyer. Just keep in mind that MCG and Ken Hughes are somewhat less than reputable debt collectors, and this debt may be beyond the statute of limitations.

Even if this was your debt, the SOL (Statue of Limitations) most likely has run out and they can't collect. You should read all the other reports here at ripoffreport about this bottom feeder. Most people seem to agree that the best advice is to write them a letter and send it certified mail, return receipt. Tell them to contact you only via mail. Tell them you dispute the debt. Demand they VALIDATE the debt by providing original paperwork that clearly shows you agreed to pay what they say you owe. Demand they prove the SOL has not expired. The may try to send you some piece of paper that says they "Verify" the debt and cite some worthless case law. Make them VALIDATE the debt. Again, if I were you, I'd do a search here and read all the other reports. I may be wrong, but they seem to rack up the highest number of ripoffreports. Also, there are sample "demand for validation" letters aplenty out there on the web that you can copy verbatim and send to these people. If you need help finding one, let me know.

BTW: I am not a lawyer and only a lawyer can give you legal advice. I am simply passing on information that others have given me that has helped me in the past.

Even if this was your debt, the SOL (Statue of Limitations) most likely has run out and they can't collect. You should read all the other reports here at ripoffreport about this bottom feeder. Most people seem to agree that the best advice is to write them a letter and send it certified mail, return receipt. Tell them to contact you only via mail. Tell them you dispute the debt. Demand they VALIDATE the debt by providing original paperwork that clearly shows you agreed to pay what they say you owe. Demand they prove the SOL has not expired. The may try to send you some piece of paper that says they "Verify" the debt and cite some worthless case law. Make them VALIDATE the debt. Again, if I were you, I'd do a search here and read all the other reports. I may be wrong, but they seem to rack up the highest number of ripoffreports. Also, there are sample "demand for validation" letters aplenty out there on the web that you can copy verbatim and send to these people. If you need help finding one, let me know.

BTW: I am not a lawyer and only a lawyer can give you legal advice. I am simply passing on information that others have given me that has helped me in the past.

Even if this was your debt, the SOL (Statue of Limitations) most likely has run out and they can't collect. You should read all the other reports here at ripoffreport about this bottom feeder. Most people seem to agree that the best advice is to write them a letter and send it certified mail, return receipt. Tell them to contact you only via mail. Tell them you dispute the debt. Demand they VALIDATE the debt by providing original paperwork that clearly shows you agreed to pay what they say you owe. Demand they prove the SOL has not expired. The may try to send you some piece of paper that says they "Verify" the debt and cite some worthless case law. Make them VALIDATE the debt. Again, if I were you, I'd do a search here and read all the other reports. I may be wrong, but they seem to rack up the highest number of ripoffreports. Also, there are sample "demand for validation" letters aplenty out there on the web that you can copy verbatim and send to these people. If you need help finding one, let me know.

BTW: I am not a lawyer and only a lawyer can give you legal advice. I am simply passing on information that others have given me that has helped me in the past.