help old account

[Anonymous]

So i have been getting really weird phone calls on my phone from an unknown number.  I answered and it is some law office stating they are trying to collect a debt of mine from 2005.  The compnay is CMA ( a magazine compnay)  I do remember the company but it was from like 2003.  I 'm not sure how they got my nunmer but they said they were willing to settle.  I asked why they are trying to contact me for something that is from 2005??  i told them I was unfamiliar with the this collection and asked them to fax me info.  They gave me an old address of mine which i haven't lived there in 5 years!  They agreed to fax .. but i never got the fax.  They just called me again on tues and said the same thing.  I told them  I never received the fax and tehy stated they would mail me info on the matter.  I asked again why I was just being contacted again about something from 2005 and why I haven't been contacted until now.  This ghetto woman said she didn't know but she was just rying to settle the debt. This collection doesn't show on my credit report.  what do i do??? i am familiar with the compnay they are calling about. do i just pay???  I just don't understand why they are contacting me now.  They have all old info on me.  I'm sure this account was sold or something.  HELP!

[Alwaysneedhelp]

Make sure you check your sol in your state because they can't make you pay this if the sol has ran out but if you feel you owe it that is something you have to work out personally with yourself.

[Anonymous]

I live in ohio.  how would i find out info on SOL?????

[Anonymous]

also, i don't have any of the account info anymore.  is there away i can find out??  how do i know if it an oral or written contract???

[Alwaysneedhelp]

Are they telling you how much you owe or any information on the account? The sol you can find by typing in sol in your search box but Ohio the way I understand it is 15 Written 6 oral 15 promisory note and 6 Open accounts. Did you say this was from 2003?

[Anonymous]

#1) don't talk to them on the phone except to verify your mailing address, and tell them everything HAS to come through the mail.

#2) Send them a DV letter.

[Anonymous]

SOL in Oh  is 6 - 10 years.

Never talk to a CA  never give any info.to anyone and never admit to a debt!!!!!!!

When they call again  ask for their name address.........send then a DV  CMRRR

Read this & make all changes where needed   do NOT sign it  just type your name.

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name

Message Edited by HappyDays on 03-28-2008 12:39 PM