Morons called my number this afternoon at 5:25 p.m., from number 201-308-9271. In the "computerized" voice mail (don't you just LOVE computerized messages, and/or, people who are from India or some other "foreign" country.....), anyway, in the message, it left a debtor ID number and a number (800) 414-8319, with a "threatening" message stating that they "expect" a call back within 24 hours. Knowing that I have nothing outstanding in my payment history with any of my creditors (and, by the way, I just received my three free credit reports last week, so I KNOW I have nothing outstanding), I contacted them. I gave them the debtor ID number, which was "not" for me in my name, but for someone else that I happen to know. They would give me no information. The person they were trying to reach is my husband. Still, they would not speak with me. I know his credit is perfect, as we both received our three credit reports last week - and, we are refinancing our home (all perfectly fine, because our credit is GREAT), so I looked the two different phone numbers up on the internet, as well as, the TWO different names...(IE. The name that came up on the Caller ID is not the name on the 800 number that they left to return the call. The Caller ID states that the company is ASTA FUNDING, but....in reality, it actually is PALASADES COLLECTION...A company who purchase UNCOLLECTABLE debts! Don't let them fool you!!! A creditor CANNOT collect on a debt after it is SIX (SIX) 6 YEARS OLD!!!!!!!!!!!! Most people think that a debtor can collect up to seven years, but this is absolutely untrue! It can remain on your credit report for seven years, but it is UNcollectible after just SIX YEARS! :)
Debt collector trying to charge for an account that was paid off in 2005...somehow this account has been resold several times, even after the account was proven to be paid in full.
Damn vultures...These companies pay between 8-15% of the face value of the account, then tack on the cost of buying the account to the face value, and try to neotiate the payments from the new total.
Once you actually prove that you had already paid off the account, they simply re-sell it to another similar company and the B.S. process starts all over....True Vultures; they even feed off others vultures when they can't get money from you!
The Feds should do something about these types of "businesses"...
The ASTA collection agency has called us TOO many times trying to locate a Brian Fowler, previous owner of our residence. HE IS NO LONGER AT THIS ADDRESS AND WE HAVE NO IDEA WHO HE IS OR WHERE HE IS. WE WILL BE TAKING SERIOUS STEPS TO HAVE THIS AGENCY STOPPED FROM CALLING AND DISTURBING US.