Complaint Review: Campco - Tina Clark - Rockford Illinois

While most of the information and advice you have received is accurate, I just wanted to let you know that it is possible to have a debt come back to haunt you 20 years later. The statute of limitations on a debt can vary, not only by the type of debt, but also from state to state. For example, in California the statute of limitations on an account can be as much as four years. If the creditor (or a collection agency) files a lawsuit against you after 3+ years, the statute of limitations is extended another 2 years. Theoretically, depending on the length of the judicial process, this may extend the statute of limitations on a debt up to 6 years. Then, if the plaintiff is successful in obtaining a judgment against you, that judgment is then valid for a period of 10 years. Prior to the end of that 10 year period, the plaintiff can then file for a renewal of that judgment to extend the statute an ADDITIONAL 10 years. The length of a judgment varies from state to state. In some states, judgments are not renewable. I believe that in states like Colorado and Massachusetts, judgments are good for 20 years and can be renewed every 20 years! In summary, a debt can be legitimately valid in the state of California for up to 26 years. This, of course, is a worst-case scenario and is definitely not typical. If you are going to be sued, it's usually done within a year of when the debt was initially incurred and most creditors don't renew their judgments.

Typical of these "bottom feeders". They buy debts from banks. Under the Fair Debt Collection Act, no collection agency may call at unreasonable times such as before 8am or after 8pm. Also a 20 year can legally no longer be collected upon BY ANYONE even if you do acknowledge it is your debt and it is proven so. Keep logs of days and times of when calls are made. Keep everything. Send a written notice asking for the name and address of the ORIGINAL creditor. Under the Fair Debt Collection Act, they MUST provide this information. If they do not respond within 30 days, then they have no legal standing. Good idea to also send a cease and decsit letter to. If they continue to call, the Fair Debt Collection allows you to collection $1,000 in damages. I would also file a criminal harassment police report if they continue.

WHat you need to do, my friend, is GET TOUGH! If you don't already have caller ID, get it. That way you can keep track of all the calls and exactly what time they came in. Next, you need to write a letter of cease and desist; mail it certified, return receipt. They sign for it on their end and you have proof it was received. A 20 year old debt is going to be d**n near impossible to prove is yours. in the cease and desist letter, you also need to DEMAND a copy of a note, application or any other legally binding document which bears your signature. If they cannot provide this within 30 days, the collection efforts must cease and if the debt is being reported, it must be removed. Most collection agencies will try to stall for time by sending you a "response" which simply states they received your letter and they are looking into the situation. PLEASE, do not take such abuse lying down! People need to understand they DO HAVE RIGHTS!!!!! You can always check with your local banking commission to se if they are licensed to collect in your state. If they are, you can file complaints with the Attorney General, the banking commission as well as the Federal Trade Comission and your Better Business Bureau. If you do a Google or Yahoo search for Fair Debt Collection, you will find plenty of sample form letters to use as examples. GOOD LUCK!

WHat you need to do, my friend, is GET TOUGH! If you don't already have caller ID, get it. That way you can keep track of all the calls and exactly what time they came in. Next, you need to write a letter of cease and desist; mail it certified, return receipt. They sign for it on their end and you have proof it was received. A 20 year old debt is going to be d**n near impossible to prove is yours. in the cease and desist letter, you also need to DEMAND a copy of a note, application or any other legally binding document which bears your signature. If they cannot provide this within 30 days, the collection efforts must cease and if the debt is being reported, it must be removed. Most collection agencies will try to stall for time by sending you a "response" which simply states they received your letter and they are looking into the situation. PLEASE, do not take such abuse lying down! People need to understand they DO HAVE RIGHTS!!!!! You can always check with your local banking commission to se if they are licensed to collect in your state. If they are, you can file complaints with the Attorney General, the banking commission as well as the Federal Trade Comission and your Better Business Bureau. If you do a Google or Yahoo search for Fair Debt Collection, you will find plenty of sample form letters to use as examples. GOOD LUCK!

WHat you need to do, my friend, is GET TOUGH! If you don't already have caller ID, get it. That way you can keep track of all the calls and exactly what time they came in. Next, you need to write a letter of cease and desist; mail it certified, return receipt. They sign for it on their end and you have proof it was received. A 20 year old debt is going to be d**n near impossible to prove is yours. in the cease and desist letter, you also need to DEMAND a copy of a note, application or any other legally binding document which bears your signature. If they cannot provide this within 30 days, the collection efforts must cease and if the debt is being reported, it must be removed. Most collection agencies will try to stall for time by sending you a "response" which simply states they received your letter and they are looking into the situation. PLEASE, do not take such abuse lying down! People need to understand they DO HAVE RIGHTS!!!!! You can always check with your local banking commission to se if they are licensed to collect in your state. If they are, you can file complaints with the Attorney General, the banking commission as well as the Federal Trade Comission and your Better Business Bureau. If you do a Google or Yahoo search for Fair Debt Collection, you will find plenty of sample form letters to use as examples. GOOD LUCK!

WHat you need to do, my friend, is GET TOUGH! If you don't already have caller ID, get it. That way you can keep track of all the calls and exactly what time they came in. Next, you need to write a letter of cease and desist; mail it certified, return receipt. They sign for it on their end and you have proof it was received. A 20 year old debt is going to be d**n near impossible to prove is yours. in the cease and desist letter, you also need to DEMAND a copy of a note, application or any other legally binding document which bears your signature. If they cannot provide this within 30 days, the collection efforts must cease and if the debt is being reported, it must be removed. Most collection agencies will try to stall for time by sending you a "response" which simply states they received your letter and they are looking into the situation. PLEASE, do not take such abuse lying down! People need to understand they DO HAVE RIGHTS!!!!! You can always check with your local banking commission to se if they are licensed to collect in your state. If they are, you can file complaints with the Attorney General, the banking commission as well as the Federal Trade Comission and your Better Business Bureau. If you do a Google or Yahoo search for Fair Debt Collection, you will find plenty of sample form letters to use as examples. GOOD LUCK!