THESE [***] CLOWNS CALLED ME FROM THIS NUMBER AT 8:50PM SUNDAY NIGHT ATTEMPTING TO COLLECT OF A "TIME BARRED DEBT" FROM 1992. A DEBT WHICH WAS LONG AGO PAID OFF SO I DONT KNOW HOW HTEY GOT THE INFORMATION ON IT.
ANYWAY I WAS CONTACTED BY THEM LAST MONTH WITH THREATS TO SEIZE MY ASSETS, GARNISH MY WAGES AND TAKE ME TO COURT. ALL VIOLATIONS OF THE FAIR DEBT COLLECTION & PRATCIES ACT AND I HAVE FILED A $50,000 SUIT AGAINST THEM IN THE CIRCUIT COURT. THEY WHERE SERVED TWO WEEKS AGO WITH THE SUMMKONS AND A COURT ORDER TO CEASE & DECIST THE ACTION AGAINST ME. WHICH THEY HAVE JUST VIOLATED SO THE SUIT WILL NOW TRIPLE AGAINST THEM.
THEY NEED TO LEARN THAT THEY CANT JUST GO AROUND VIOLATING STATE & FEDERAL LAWS ATTEMPTING TO COLLECT ON "TIME BARRED DEBTS".
BY LAW A CREDITOR CAN PLACE YOU INTO COLLECTIONS FOR UP TO 7 YEARS AND CAN ONLY SUE YOU IN THE FIRST YEAR. AFTER THAT THE DEBT IS CONSIDERED TO BE "TIME BARRED" AND NOT ENFORCABLE NOR COLLECTABLE THOUGH YOU STILL OWE THE MONEY.
IF THEY; OR ANY OTHER SCAVANGER COMPANY CONTACTS YOU WITH THREATS OR ATTEMPT TO GET YOU TO MAKE EVEN A $0.01 PAYMENT ON THE DEBT THEY KNOW THEY CAN SCREW YOU ONCE YOU MAKE A PARTIAL PAYMENT BECAUSE THIS WILL RESTART THE 7 YEAR CLOCK TO COLLECTIONS AND 1 YEAR CLOCK FOR CIVIL SUIT.
NEVER TALK TO THEM, NEVER AKNOWLEDGE THE DEBT AND NEVER MAKE ANY TYPE OF PAYMENT OR AGREE TO ANY TYPE OF PAYMENT OR YOU GIVE UP YOUR RIGHTS!!!
Excellent. Let us know the outcome of your lawsuit, OK?
PRA also has a bad habit of reporting unvalidated and disputed debts to the IRS, which they have wound up defaulting on because they wouldn't (couldn't is more like it) provide supporting documentation of the charge-off.
lol these guys are runnign scared; now, all of the sudden my file has been lost and they have no record of me in their system. Glad I recorded my calls with them and I spoke with them infront of my attorney and they verrified my information and the account while my attorney was sitting inon the call and the whole conversation was recorded. They where served and the paper work they filed witht eh court denying the charges says they have no record or me in their system! No we get to go to trial!
Just heard from my attorney PRS offered to settle my suit for $25,000 so I will see $22,000 after paying the attorney costs and court fees. We had them by the short and curlys becasue they called 3 more times after being notified of the civil suit I filed against them!
You are a shining example of today's informed consumer who will no longer stand for and allow this type of egragious behavior on the part of debt collectors to be tolerated.