What is the name of your state? Florida
Several years ago, my MIL signed me up for a book club (asked her not to, didn't want her to, she did it anyway to "save my soul") and the book came, I sent it back (didn't use Certified or Delivery confirm -- and now, it's so long ago that I couldn't find the stupid receipt to save my life). And moron that I am, since it gave me the option to cancel in 14 days, I thought that was it.
Fast forward: I checked my credit the other day (saw "FreeCreditblahblah.com and figured it'd be a good idea with all the online purchasing I do) and Lo! And behold! That *&$# book club (or rather, a CA on their behalf) has an entry for me!
According to the paperwork/report, it specifies the date the account was opened (Oct. 23, 2003), and the date RJM bought the account (Dec. 4, 2006).
Since it was never MY account, I disputed this. On their "response" they state that they do believe it's mine (blah, blah, blah) and that EXPERIAN told them to report the date as Dec. 4, 2006 (the date they bought the debt.)
Sooo ... my question is (aside from any advice on hiding my MIL's body -- which I'll gladly take, BTW) is: Can they DO that? Isn't that illegally re-aging the debt??
Or are my only options to let them know that my MIL forged my signature (which she admits she did -- remember, it was to "save my soul") or to pay this after all???
Several years ago, my MIL signed me up for a book club (asked her not to, didn't want her to, she did it anyway to "save my soul") and the book came, I sent it back (didn't use Certified or Delivery confirm -- and now, it's so long ago that I couldn't find the stupid receipt to save my life). And moron that I am, since it gave me the option to cancel in 14 days, I thought that was it.
Fast forward: I checked my credit the other day (saw "FreeCreditblahblah.com and figured it'd be a good idea with all the online purchasing I do) and Lo! And behold! That *&$# book club (or rather, a CA on their behalf) has an entry for me!
According to the paperwork/report, it specifies the date the account was opened (Oct. 23, 2003), and the date RJM bought the account (Dec. 4, 2006).
Since it was never MY account, I disputed this. On their "response" they state that they do believe it's mine (blah, blah, blah) and that EXPERIAN told them to report the date as Dec. 4, 2006 (the date they bought the debt.)
Sooo ... my question is (aside from any advice on hiding my MIL's body -- which I'll gladly take, BTW) is: Can they DO that? Isn't that illegally re-aging the debt??
Or are my only options to let them know that my MIL forged my signature (which she admits she did -- remember, it was to "save my soul") or to pay this after all???