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Report: #256855

Complaint Review: Merchants Credit Guide - Chicago Illinois

  • Submitted:
  • Updated:
  • Reported By: North Little Rock Arkansas
  • Merchants Credit Guide 223 W Jackson Blvd Chicago, Illinois U.S.A.

Merchants Credit Guide They tricked me and I sent them money Ripoff Chicago Illinois

*UPDATE EX-employee responds: The Money is Gone

*Consumer Suggestion: Send them a letter to dispute the debt

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This company tricked me! Now what do I do? They said that AT&T was the creditor. It hadn't been even a month since I switched phone services and I received this collections letter. So I sent the 50% to settle it. Now AT&T's true collections dept is calling for their money!
What do I do?

I pay my bills - this is terrible and I am so mad that someone can just take your money like this.

Rita
North Little Rock, Arkansas
U.S.A.

This report was posted on Ripoff Report on 06/25/2007 07:17 PM and is a permanent record located here: https://www.ripoffreport.com/reports/merchants-credit-guide/chicago-illinois-60606/merchants-credit-guide-they-tricked-me-and-i-sent-them-money-ripoff-chicago-illinois-256855. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 UPDATE EX-employee responds

The Money is Gone

AUTHOR: Consumer2 - (U.S.A.)

POSTED: Sunday, January 06, 2008
She can dispute the debt, but I assure you that she will not get a refund. once the account is paid, it is closed. I suggest that she get a letter in writing stating that she paid the debt. They normally mail in thirty days. Show that to the new agency.
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#1 Consumer Suggestion

Send them a letter to dispute the debt

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, June 26, 2007
Here's what you can do:

First - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

Second - send a certified letter, return receipt requested, to the DEPT COLLECTOR to dispute the debt and request written verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt verification information you have requested.

Once they receive the letter, they must cease all collection efforts until they provide the written information requested. This is in accordance with the Fair Debt Collection Practices Act.

Third - Once you received the written verification information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

Please note that simply sending the letter telling them to leave you alone does not absolve a valid debt. What the letter does do is force them to provide you with written validation of the debt and to stop all collection actions until you receive the information. Once you have the information, you should act on it accordingly by contacting the CREDITOR via certified mail.

Some other notes: Any statute of limitations does not absolve a valid debt; it merely prohibits the creditor from going to court to obtain a money judgment against you. IF there is already a money judgment, the statute of limitations most likely is longer in New York State it's 20 years.

You can check the statute of limitations for debt in your state at fair-debt-collection.com/statue-limitations.html.

In addition, a credit report listing does not in any way determine if a debt is valid or not, or collectible or not that is what courts are for. There are few ways a valid debt can be absolved; you pay it off, the creditor forgives it, or bankruptcy court orders it absolved.

Section 809 of the FDCPA covers debt validation nicely:

809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
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