Steph
Minor Hill,#2Consumer Comment
Wed, April 15, 2009
What ever you do . Do not give them any bank account #s . If they ask for it refuse to give it these SOBs will rip you off. When I have folks like that ask me for that imformation I refuse to give it. I tell them I want it i writing.If they refuse I don't answer the phone when they call. If I do not know the # that calls my cell I do not answer it.
Steph
Minor Hill,#3Consumer Comment
Wed, April 15, 2009
What ever you do . Do not give them any bank account #s . If they ask for it refuse to give it these SOBs will rip you off. When I have folks like that ask me for that imformation I refuse to give it. I tell them I want it i writing.If they refuse I don't answer the phone when they call. If I do not know the # that calls my cell I do not answer it.
Kevin
Cottage Grove,#4Consumer Suggestion
Sat, April 11, 2009
Hi Teri, I did not work for the company in question, but I was a collector at one time. The solution to your problem is easier than you think. Just write a letter. The Fair Debt Collection Practices Act allows you to dispute the debt in writing. All you need to do is write a letter to MCG informing them that you are disputing the debt (include your name and whatever account number they give you and perhaps a copy of the letter they sent...nothing else). I recommend that you send it via certified mail. This will not undo the statute of limitations. It will do the opposite. Once they receive your letter, the collectors must send you validation (proof) that you owe on this debt. If they cannot do this, they must stop collection efforts. Furthermore, they are not allowed to contact you until they can validate the debt (except to say that they have received your dispute). If they can never furnish proof, then they can never try to collect on the debt. One more thing, just to be fair, about the statute of limitations. When the SoL expires, the collectors are forbidden from doing any further credit reporting, or taking any other action like wage garnishment or the like. The SoL does not prohibit the collector from merely trying to collect on the debt by writing or calling. I don't like it either, but that's the law. Many of the companies are just junk debt collectors, and you probably have nothing to worry about. It wouldn't hurt, though, to check your credit reports just to be safe. Good luck. Kevin Iron River, MI