CA continues to call after C&D's and successful deletion--HELP!

[jschaffer]

What can I do? Asset Acceptance continues to call and harass me for a bogus 7 year old debt, (Texas SOL is 4yrs) that I successfully had deleted from my credit files and successfully got deleted from my credit report. What are my options? Please help.. these slimy bastards are seriously harassing me. Also, as a side note, has anyone sent an ITS letter that demanded money from the CA as a settlement so that you don't sue? Do you think this would work?

Message Edited by jschaffer on 07-27-2007 01:42 PM

[Anonymous]

did you send a DV to them?

Did you send C&D CMRRR. If so keep it handy.

Make note of every phone call  date time & person that called. If on caller ID  take a pic. of it.

If you have caller ID  do not answer it. just make note & pic.

Read NOAH's message

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4328

Message Edited by HappyDays on 07-27-2007 01:43 PM

Message Edited by HappyDays on 07-27-2007 01:51 PM

[jschaffer]

Yes I did all the standard C&D, CMRRR, DV, and got a full deletion because it was truly bogus, and these scum are STILL calling, even though it's not even on my credit anymore.

[Anonymous]

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jschaffer wrote:
Yes I did all the standard C&D, CMRRR, DV, and got a full deletion because it was truly bogus, and these scum are STILL calling, even though it's not even on my credit anymore.

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Just because it was deleted from your CR doesn't mean that the debt isn't still owed...

Rob

[Anonymous]

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FICO_Focused wrote:

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jschaffer wrote:
Yes I did all the standard C&D, CMRRR, DV, and got a full deletion because it was truly bogus, and these scum are STILL calling, even though it's not even on my credit anymore.

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Just because it was deleted from your CR doesn't mean that the debt isn't still owed...

Rob

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Send the standard Cease and Desist calling at home, work, etc. Require that all communication be sent via US Poast.

Rob

[jschaffer]

Well, if they aren't obeying the original C&D why would they now? I'm trying to figure out what I should do to these folks. Also, if there was a deletion, and they think I still owe it, can they put it back on my CR?

[Anonymous]

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jschaffer wrote:
Well, if they aren't obeying the original C&D why would they now? I'm trying to figure out what I should do to these folks. Also, if there was a deletion, and they think I still owe it, can they put it back on my CR?

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I don't think that they can once it's beyond the SOL and they haven't been able to produce appropriate validation. If they do however find the validation requested they can re-report with the standard excuse of Bon-afide error.

If you enter into an agreement to repay the debt, MAKE SURE you make them agree in writing not to report to CRAs during or after a successful repayment plan.

Happens all the time.

Rob

[Anonymous]

Call your AG's office. You have a right to sue them also.

[Anonymous]

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HappyDays wrote:

Call your AG's office. You have a right to sue them also.

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For what exactly?

Rob

[Anonymous]

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HappyDays wrote:

Call your AG's office. You have a right to sue them also.

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I guess they may be in violation if the OP has the Green Card on the C&D letter. But what else?

Rob