Natioanl Recovery Agency, LLC. No contact for over 5 years? Now in Collections? Complete BS. Harrisburg Pennsylvania

I really hate BS "collection" agencies like NRA. They purchase old debt and try to collect on it. They don't check in to see whether or not the debt is valid, and they don't check to see if there is any proof that you actually owe the bogus debt.

When they finally called me for the first time, they kept demanding that I pay the debt and kept insisting that the debt was mine. I had to keep yelling at the lady that I would not talk to her, that I want written proof. She refused to listen to be and won't believe anything I said, so I just employed the broken record technique, where I kept saying show me written proof. She hung up kind of pissed off, and I never received written proof. You can inform the credit collection company that you want written proof of the "bogus" debt, and not to contact you again until they have sent you written proof.



It is also a very good idea to learn the laws of your state in regards to the Statute of Limitations. In Nebraska the Statute of Limitations 25-205 states that a written contract is only valid for 5 years and an oral contract is valid for 4 years. Consult legal advise just to make sure in your state.


Each state limits the amount of time in which a creditor can sue you after an account becomes delinquent. Sometimes the statute is longer than the credit reporting limits, sometimes shorter.


The statutes of limitations for written contracts, for example, is three years in Delaware to 15 years in Ohio, although the typical limit in most states is five or six years. The rules vary widely, but in some states you can inadvertently extend the statute of limitations by entering into a repayment plan with a creditor or even by acknowledging that a debt is yours. Getting dragged into court and having a judgment entered against you could further hurt your credit score and your efforts to rehabilitate your credit.



Before you contact your creditors, you should know the details of the statute of limitations in your state. (If you've moved, it may be the state you live in now whose law will apply, even if you entered into the credit agreement in another state.) Your best bet may be contacting a consumer law attorney for help; you can get referrals from the National Association of Consumer Advocates.



I attacked this from multiple ways:

1. Filed a formal dispute with credit companies (Equifax, etc).



2. Filed a protest direct with the company demanding that they send me a written confirmation with a SIGNED CONTRACT with MY signature on it to prove this debt is real. Make sure that you send it certified with a return receipt on it, so they cannot say it was never received.

Example of the letter I sent:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes a copy of the original signed contract with my signature. Per the Fair Debt Collection Practices Act, it is your responsibility to validate this debt, not mine.


Receipt of this letter is being officially time stamped per the USPS. Your firm is required by law under the Fair Debt Collection Practices Act to validate the debt within the allowable 30-day period. If you refuse, this fact will be used to challenge any negative notation you place on my credit files as being fraudulent information.



3. Filed a dispute with the BBB in the area, notifying them of the unethical tactics of this company.



The company failed to prove in any way that this bogus debt was real in any way. They had no proof whatsoever, and didn't even have a piece of paper stating that I was ever a customer with the alleged company.



Well, I got a letter today from the BBB. Here is what it says:



This letter is in response to your letter dated February 26, 2009 regarding the above referenced case. The account discussed was closed and returned to our client prior to receipt of this complaint. Should you have any questions or concerns please feel free to contact me directly.



Sincerely,



Steven C. Kusic

C.E.O



If you don't just deal with the "collectors" but employ the resources that are available to you, BBB, credit agencies (Equifax, etc), you can put more pressure on the company to have hard and written proof. If the company cannot produce written proof, and cannot produce any sort of contract, you can get it removed from your credit file as a bogus entry.

Fight the system.

Stick it to the man.

You can win ... You will win.

I really hate BS "collection" agencies like NRA. They purchase old debt and try to collect on it. They don't check in to see whether or not the debt is valid, and they don't check to see if there is any proof that you actually owe the bogus debt.

When they finally called me for the first time, they kept demanding that I pay the debt and kept insisting that the debt was mine. I had to keep yelling at the lady that I would not talk to her, that I want written proof. She refused to listen to be and won't believe anything I said, so I just employed the broken record technique, where I kept saying show me written proof. She hung up kind of pissed off, and I never received written proof. You can inform the credit collection company that you want written proof of the "bogus" debt, and not to contact you again until they have sent you written proof.



It is also a very good idea to learn the laws of your state in regards to the Statute of Limitations. In Nebraska the Statute of Limitations 25-205 states that a written contract is only valid for 5 years and an oral contract is valid for 4 years. Consult legal advise just to make sure in your state.


Each state limits the amount of time in which a creditor can sue you after an account becomes delinquent. Sometimes the statute is longer than the credit reporting limits, sometimes shorter.


The statutes of limitations for written contracts, for example, is three years in Delaware to 15 years in Ohio, although the typical limit in most states is five or six years. The rules vary widely, but in some states you can inadvertently extend the statute of limitations by entering into a repayment plan with a creditor or even by acknowledging that a debt is yours. Getting dragged into court and having a judgment entered against you could further hurt your credit score and your efforts to rehabilitate your credit.



Before you contact your creditors, you should know the details of the statute of limitations in your state. (If you've moved, it may be the state you live in now whose law will apply, even if you entered into the credit agreement in another state.) Your best bet may be contacting a consumer law attorney for help; you can get referrals from the National Association of Consumer Advocates.



I attacked this from multiple ways:

1. Filed a formal dispute with credit companies (Equifax, etc).



2. Filed a protest direct with the company demanding that they send me a written confirmation with a SIGNED CONTRACT with MY signature on it to prove this debt is real. Make sure that you send it certified with a return receipt on it, so they cannot say it was never received.

Example of the letter I sent:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes a copy of the original signed contract with my signature. Per the Fair Debt Collection Practices Act, it is your responsibility to validate this debt, not mine.


Receipt of this letter is being officially time stamped per the USPS. Your firm is required by law under the Fair Debt Collection Practices Act to validate the debt within the allowable 30-day period. If you refuse, this fact will be used to challenge any negative notation you place on my credit files as being fraudulent information.



3. Filed a dispute with the BBB in the area, notifying them of the unethical tactics of this company.



The company failed to prove in any way that this bogus debt was real in any way. They had no proof whatsoever, and didn't even have a piece of paper stating that I was ever a customer with the alleged company.



Well, I got a letter today from the BBB. Here is what it says:



This letter is in response to your letter dated February 26, 2009 regarding the above referenced case. The account discussed was closed and returned to our client prior to receipt of this complaint. Should you have any questions or concerns please feel free to contact me directly.



Sincerely,



Steven C. Kusic

C.E.O



If you don't just deal with the "collectors" but employ the resources that are available to you, BBB, credit agencies (Equifax, etc), you can put more pressure on the company to have hard and written proof. If the company cannot produce written proof, and cannot produce any sort of contract, you can get it removed from your credit file as a bogus entry.

Fight the system.

Stick it to the man.

You can win ... You will win.

I really hate BS "collection" agencies like NRA. They purchase old debt and try to collect on it. They don't check in to see whether or not the debt is valid, and they don't check to see if there is any proof that you actually owe the bogus debt.

When they finally called me for the first time, they kept demanding that I pay the debt and kept insisting that the debt was mine. I had to keep yelling at the lady that I would not talk to her, that I want written proof. She refused to listen to be and won't believe anything I said, so I just employed the broken record technique, where I kept saying show me written proof. She hung up kind of pissed off, and I never received written proof. You can inform the credit collection company that you want written proof of the "bogus" debt, and not to contact you again until they have sent you written proof.



It is also a very good idea to learn the laws of your state in regards to the Statute of Limitations. In Nebraska the Statute of Limitations 25-205 states that a written contract is only valid for 5 years and an oral contract is valid for 4 years. Consult legal advise just to make sure in your state.


Each state limits the amount of time in which a creditor can sue you after an account becomes delinquent. Sometimes the statute is longer than the credit reporting limits, sometimes shorter.


The statutes of limitations for written contracts, for example, is three years in Delaware to 15 years in Ohio, although the typical limit in most states is five or six years. The rules vary widely, but in some states you can inadvertently extend the statute of limitations by entering into a repayment plan with a creditor or even by acknowledging that a debt is yours. Getting dragged into court and having a judgment entered against you could further hurt your credit score and your efforts to rehabilitate your credit.



Before you contact your creditors, you should know the details of the statute of limitations in your state. (If you've moved, it may be the state you live in now whose law will apply, even if you entered into the credit agreement in another state.) Your best bet may be contacting a consumer law attorney for help; you can get referrals from the National Association of Consumer Advocates.



I attacked this from multiple ways:

1. Filed a formal dispute with credit companies (Equifax, etc).



2. Filed a protest direct with the company demanding that they send me a written confirmation with a SIGNED CONTRACT with MY signature on it to prove this debt is real. Make sure that you send it certified with a return receipt on it, so they cannot say it was never received.

Example of the letter I sent:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes a copy of the original signed contract with my signature. Per the Fair Debt Collection Practices Act, it is your responsibility to validate this debt, not mine.


Receipt of this letter is being officially time stamped per the USPS. Your firm is required by law under the Fair Debt Collection Practices Act to validate the debt within the allowable 30-day period. If you refuse, this fact will be used to challenge any negative notation you place on my credit files as being fraudulent information.



3. Filed a dispute with the BBB in the area, notifying them of the unethical tactics of this company.



The company failed to prove in any way that this bogus debt was real in any way. They had no proof whatsoever, and didn't even have a piece of paper stating that I was ever a customer with the alleged company.



Well, I got a letter today from the BBB. Here is what it says:



This letter is in response to your letter dated February 26, 2009 regarding the above referenced case. The account discussed was closed and returned to our client prior to receipt of this complaint. Should you have any questions or concerns please feel free to contact me directly.



Sincerely,



Steven C. Kusic

C.E.O



If you don't just deal with the "collectors" but employ the resources that are available to you, BBB, credit agencies (Equifax, etc), you can put more pressure on the company to have hard and written proof. If the company cannot produce written proof, and cannot produce any sort of contract, you can get it removed from your credit file as a bogus entry.

Fight the system.

Stick it to the man.

You can win ... You will win.

I really hate BS "collection" agencies like NRA. They purchase old debt and try to collect on it. They don't check in to see whether or not the debt is valid, and they don't check to see if there is any proof that you actually owe the bogus debt.

When they finally called me for the first time, they kept demanding that I pay the debt and kept insisting that the debt was mine. I had to keep yelling at the lady that I would not talk to her, that I want written proof. She refused to listen to be and won't believe anything I said, so I just employed the broken record technique, where I kept saying show me written proof. She hung up kind of pissed off, and I never received written proof. You can inform the credit collection company that you want written proof of the "bogus" debt, and not to contact you again until they have sent you written proof.



It is also a very good idea to learn the laws of your state in regards to the Statute of Limitations. In Nebraska the Statute of Limitations 25-205 states that a written contract is only valid for 5 years and an oral contract is valid for 4 years. Consult legal advise just to make sure in your state.


Each state limits the amount of time in which a creditor can sue you after an account becomes delinquent. Sometimes the statute is longer than the credit reporting limits, sometimes shorter.


The statutes of limitations for written contracts, for example, is three years in Delaware to 15 years in Ohio, although the typical limit in most states is five or six years. The rules vary widely, but in some states you can inadvertently extend the statute of limitations by entering into a repayment plan with a creditor or even by acknowledging that a debt is yours. Getting dragged into court and having a judgment entered against you could further hurt your credit score and your efforts to rehabilitate your credit.



Before you contact your creditors, you should know the details of the statute of limitations in your state. (If you've moved, it may be the state you live in now whose law will apply, even if you entered into the credit agreement in another state.) Your best bet may be contacting a consumer law attorney for help; you can get referrals from the National Association of Consumer Advocates.



I attacked this from multiple ways:

1. Filed a formal dispute with credit companies (Equifax, etc).



2. Filed a protest direct with the company demanding that they send me a written confirmation with a SIGNED CONTRACT with MY signature on it to prove this debt is real. Make sure that you send it certified with a return receipt on it, so they cannot say it was never received.

Example of the letter I sent:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes a copy of the original signed contract with my signature. Per the Fair Debt Collection Practices Act, it is your responsibility to validate this debt, not mine.


Receipt of this letter is being officially time stamped per the USPS. Your firm is required by law under the Fair Debt Collection Practices Act to validate the debt within the allowable 30-day period. If you refuse, this fact will be used to challenge any negative notation you place on my credit files as being fraudulent information.



3. Filed a dispute with the BBB in the area, notifying them of the unethical tactics of this company.



The company failed to prove in any way that this bogus debt was real in any way. They had no proof whatsoever, and didn't even have a piece of paper stating that I was ever a customer with the alleged company.



Well, I got a letter today from the BBB. Here is what it says:



This letter is in response to your letter dated February 26, 2009 regarding the above referenced case. The account discussed was closed and returned to our client prior to receipt of this complaint. Should you have any questions or concerns please feel free to contact me directly.



Sincerely,



Steven C. Kusic

C.E.O



If you don't just deal with the "collectors" but employ the resources that are available to you, BBB, credit agencies (Equifax, etc), you can put more pressure on the company to have hard and written proof. If the company cannot produce written proof, and cannot produce any sort of contract, you can get it removed from your credit file as a bogus entry.

Fight the system.

Stick it to the man.

You can win ... You will win.

I really hate BS "collection" agencies like NRA. They purchase old debt and try to collect on it. They don't check in to see whether or not the debt is valid, and they don't check to see if there is any proof that you actually owe the bogus debt.

When they finally called me for the first time, they kept demanding that I pay the debt and kept insisting that the debt was mine. I had to keep yelling at the lady that I would not talk to her, that I want written proof. She refused to listen to be and won't believe anything I said, so I just employed the broken record technique, where I kept saying show me written proof. She hung up kind of pissed off, and I never received written proof. You can inform the credit collection company that you want written proof of the "bogus" debt, and not to contact you again until they have sent you written proof.



It is also a very good idea to learn the laws of your state in regards to the Statute of Limitations. In Nebraska the Statute of Limitations 25-205 states that a written contract is only valid for 5 years and an oral contract is valid for 4 years. Consult legal advise just to make sure in your state.


Each state limits the amount of time in which a creditor can sue you after an account becomes delinquent. Sometimes the statute is longer than the credit reporting limits, sometimes shorter.


The statutes of limitations for written contracts, for example, is three years in Delaware to 15 years in Ohio, although the typical limit in most states is five or six years. The rules vary widely, but in some states you can inadvertently extend the statute of limitations by entering into a repayment plan with a creditor or even by acknowledging that a debt is yours. Getting dragged into court and having a judgment entered against you could further hurt your credit score and your efforts to rehabilitate your credit.



Before you contact your creditors, you should know the details of the statute of limitations in your state. (If you've moved, it may be the state you live in now whose law will apply, even if you entered into the credit agreement in another state.) Your best bet may be contacting a consumer law attorney for help; you can get referrals from the National Association of Consumer Advocates.



I attacked this from multiple ways:

1. Filed a formal dispute with credit companies (Equifax, etc).



2. Filed a protest direct with the company demanding that they send me a written confirmation with a SIGNED CONTRACT with MY signature on it to prove this debt is real. Make sure that you send it certified with a return receipt on it, so they cannot say it was never received.

Example of the letter I sent:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes a copy of the original signed contract with my signature. Per the Fair Debt Collection Practices Act, it is your responsibility to validate this debt, not mine.


Receipt of this letter is being officially time stamped per the USPS. Your firm is required by law under the Fair Debt Collection Practices Act to validate the debt within the allowable 30-day period. If you refuse, this fact will be used to challenge any negative notation you place on my credit files as being fraudulent information.



3. Filed a dispute with the BBB in the area, notifying them of the unethical tactics of this company.



The company failed to prove in any way that this bogus debt was real in any way. They had no proof whatsoever, and didn't even have a piece of paper stating that I was ever a customer with the alleged company.



Well, I got a letter today from the BBB. Here is what it says:



This letter is in response to your letter dated February 26, 2009 regarding the above referenced case. The account discussed was closed and returned to our client prior to receipt of this complaint. Should you have any questions or concerns please feel free to contact me directly.



Sincerely,



Steven C. Kusic

C.E.O



If you don't just deal with the "collectors" but employ the resources that are available to you, BBB, credit agencies (Equifax, etc), you can put more pressure on the company to have hard and written proof. If the company cannot produce written proof, and cannot produce any sort of contract, you can get it removed from your credit file as a bogus entry.

Fight the system.

Stick it to the man.

You can win ... You will win.