Merchants Credit Guide ripoff Chicago Illinois

The statute of limitations in FL is 5 years from date of last activity, which is usually considered to be the date of charge off by the original creditor. That is assuming the debt was originated in FL. If not, the state it was originated in is the one you use in most cases.

As far as the CEASE COMMUNICATIONS letter, you can get one for free at budhibbs.com, and be sure to send it by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records.

FYI..The FTC has all jurisdiction of enforcement on debt colectors, but they do not do individual enforcement. Individual enforcement can only be done through the courts. The AG can act only as an arbitrator, but has no legal authority to force them to do anything.

Good luck.

I too received a letter from MCG alledgedly from 1989, never on any credit report. Anyone know what the SOL is in Florida and anyone have a copy of a Cease $ Desist letter?

Thank you

Mat,

Go to FTC.gov and file a complaint online each time they contact you in violation of your rights under the FDCPA. You can read and print this act while on the FTC site.

Also send a letter of complaint of MAIL FRAUD attached to a copy of the collection letter to the US POSTAL INSPECTOR. They are knowingly engaging in fraud attempting to collect a time barred debt, and are using the mail to do it.

Also go to budhibbs.com and read all about these lowlife. They are one of the worst. You can file a complaint there too.

Read some of my other post on dealing with these jerks.

Have fun.