Re: CAMCO and CR insertions -- pl, Marcy, LadynRed, are you out there??

Posted by lucy (199.182.117.40) on August 21, 2002 at 12:35:30:

In Reply to: Re: CAMCO and CR insertions -- pl, Marcy, LadynRed, are you out there?? posted by LadynRed on August 21, 2002 at 10:30:19:

Here we see a good example of why something as simple as FDCPA can quickly create a swamp.

They have probably DO have court action going somewhere, under these circumstances. In whatever state and county he mailed, faxed, or emailed the settlement proposal from, if you have moved since January 2002.

They do still have to serve him with Summons & Complaint, and if they are casting in a direction they have every reason to believe (because they are making these phone calls elsewhere), there may be a serious problem even if he never made a payment.

The settlement offer HE made to THEM would, I should think, be all that was needed to give them sound legal footing for litigation in an ocean of quicksand. Maybe even if he did not sign the proposed 5% settlement? I do not have CASE HISTORIES available.

poorlawyer, WhyChat -- am I not depressingly correct that CAMCO's acceptance of an offer of 5% should tell someone a little more than that the debt they WERE hounding for was "probably" past SOL? Prior to their acceptance of his offer that was "probably" true, CAMCO specializes in past-SOL debt. With the proposal he made, they are hounding him for a different debt now -- a written proposal of settlement he never paid.

(And I thought I had problems with a VERBAL exploration of a POSSIBLE settlement!!!!)

Think hard -- and ask him to post here from a cyber cafe WHY he offered a settlement at all. I can think of many possible reasons. I would like to know the ACTUAL reason he made the proposal. It might actually make a difference, depending on a number of other factors.

Had he ever had a debt successfully collected in court prior to their initial contact? I have a strong hunch that was just one of many reasons why I myself was supposedly offered a settlement that was reasonable on the face of it, couched in terms according to CAMCO's description of the offer, that had been entirely agreeable to me in the past.

We definitely need a checklist. One for people who are in trouble with current debt, one for people who are being contacted regarding debt that they know could not possibly be current.

And everyone out there needs to be cautioned vigorously about how not to get into trouble when ANY contact is made by phone.

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