In a different, and agonizingly long thread, "Burned" stated s/he ignored the phone call(s), and later ignored the delivered documentation (summons?), because s/he did not like the looks of the person who delivered the documentation.
Posters in that thread asked for proof ... eventually, "Burned" provided the link, as above.
So, we have an example of a person who ignored written letters and (summons?), and did not appear in court to provide a defense. Now, "Burned" is posting statements that the calls were legitimate (no proof there), the letters were ignored, and the (summons?) was issued but ignored.
>> You can't come running to a complaint website and blame everyone else for your lack of due diligence <<
Exactly. "Burned" seems to want to ventilate ... at length ... suggesting the regulars are at fault for stating a mere phone call is not legally sufficient proof of debt. When, in fact, "Burned" is at fault for ignoring the truly sufficient proofs of debt.
Hopefully this thread will not grow to the size of the other one, as all arguments seem to have been made.
Said he received a parcel for me from an attorney office. It is about a very old debt. He then started to threaten me... litteraly.
The debt he is talking about is very old, I never paid it, and it's not even figuring on my credit report anymore, with the consequence that it hurt my credit very very badly. That means that the company to which I owed this money just filed a loss, and sold my debt to one of those shady companies.
I called Equifax: here is what they told me.
DO NOT FALL FOR IT. That's the kind of company who paid about 10% of what your debt was, and asks for 150% of same debt. They play hard and threaten you, because in the end, they can't legally force you to pay. They told me that this debt was not to be paid anymore, because the maximum harm has been done to my credit file. And even if I paid it, it would not change anything.
Just telle them to go f*** themselves, and stop harassing you or you will file complaint.
Thanks for sharing. Same here they messed up my credit and now its been 6 years. I started to get calls on my new cell number telling me that there is a file a law has sent him to sigh off to take action in small claims court. I am so scared now. Can they do anything?
By "they messed up your credit" you mean you didn't pay your bills on time?
From my experience, a company like this can collect the debt for an indefinite period of time, but they only have 6 years from when it went to collections to actually pursue it in court.
More often then not, they do have the ability to sue, but just check your dates and protect yourself. Or the real solution is to pay your damn bills instead of looking for an easy way out people! Then you don't have to even worry about these a**holes!
Thank you for your reply. These company has jacked up the interest on the account so much that i cant afford to pay them back. When i told to them on the phone they tell me to pay everything else they will take action. Its been 5 years for this debt account master card company have written it off. date of last payment was 2008. I am just stress out and lost. All my pay goes towards rent and supporting my parents and wife. I get a call once a week telling me there is a file on the table sent by a lawyer to be sign off so that he can take legal action. Call back else we will be releasing the file. Anyone out there has the same problem as me? Any advice will help.