Lady N Red! Help Please?

[Squeakier]

What is the name of your state? Calif.


Hello Lady, it's good to see you're still around!

I used to read the old forum but now it's gone.

Here's my problem: I found out about a collection attempt on me at an address I haven't lived in, in 22 years. My parent's old address. (They are both deceased). I have since found out there have been other letters sent there in my name but I haven't intercepted those. In this letter it states that they bought this account from another collection agency. (Scott's fav C.A.)
It gives me thirty days to respond. (has the mini miranda changed? I thought it was 90 days) I have about 10 days to respond if it's only 30.

Would you respond?

How can they send this to an address that old when I have been living at the current address for the last 17 years and haven't been hiding in any way shape or form? I almost feel as if it's a ploy to damage my credit, since the C.A. they bought from definatly had all my current info!!!

I don't owe anyone any money and haven't owed anyone any money since the early 1980's. Which I paid off in 1986.

This new C.A. boasts on their website "giving collection agencies a good name" LOL.

The C.A. that sold this debt was the same C.A. that sent me another debt that I did'nt owe, a year and a half ago.(june 2003) To which Scott helped me out on. I filed complaints with the FTC and both attourney generals. I have learned that the FTC sued this C.A., specifically mentioned is one of the persons who harrassed me last June!! Hooray!!

[Ladynred]

Why would they use a 22 year old address ?? Who the heck knows, they use what's on the account info they bought and that may be what was in the portfolio of junk accounts.

Are you saying this is just a collection letter or are they trying to serve a summons ? If you're talking about 30 days to validate/dispute, and its about a 20 year old debt, I would only send them the cease and desist letter and tell 'em to go pee up a tree. Then file complaints again with all the same agencies.

Yes, it was great to see the FTC slap SCAMCO - its just too bad it hasn't stopped them and they're violating the settlement agreement right and left !!

[HomeGuru]

[quote=Squeakier]What is the name of your state? Calif.


Hello Lady, it's good to see you're still around!


**A: yes, I agree.

[Squeakier]

I am saying that I find it very fishy since it was scamco that "SOLD" the account and scamco had all my correct info...

of course this is a "different" debt and scamco account number than the one scamco tried to exhort out of me in June 2003.

This "new" debt scamco never contacted me about before selling it to this new place, "Recovery Portfolio Associates". So I am wondering if this is really just a way for scamco to get even with me. By sending it to an address I no longer live and then "assuming" the debt is valid when I don't respond... and then sueing me without my knowledge...

of course this is a little "out there" but I dont put anything past scamco and this new C.A.'s "attempt to collect" letter doesn't seem to have their own account number listed on the paper, but have it referred as "CAMCO ID NO: blah blah" twice. I am thinking they are in cahoots, that's what I am thinking.. but I will take your advice because either way... a C&D is in order. But I think I will include all this in my complaint to the FTC.

Of course they only provide a P.O. Box to respond to so I had to look up the address to their main office. I don't think you can send anything "certified" via a P.O. Box.


Thanks for your help. It should be illegal to sell or persue time barred debts or debts that can't be validated!

[Ladynred]

SCAMCO handing off to Portfolio Recovery Assoc. seems to be a new thing with them, there have been a number of people saying the same thing. PRA seems to be doing quite a bit of work on out-of-statute debts lately. Must be they think there's more profit in it. They're morons, just like the rest of them and they are lawbreakers - just like the rest.