HELP regarding CAMCO
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Posted by Jim (65.43.113.140) on September 06, 2002 at 13:47:32:
Why Chat and Linda, could you please tell me how to handle this situation? In brief, my wife and I filed for Chapter 7 Bankruptcy in January 1992 and all debts were discharged in July 1992. Last year (September 2001), we purchased a home in Illinois (25% cash and 75% mortgage). At that time, all three CRAs gave us a clean bill of health. Three weeks ago, I get a call from "Bob" at CAMCO - Capital Acquisitions & Management Company. He initially wanted to speak to my wife, who was not home, but at work. After he discovered that I was her spouse, he went on to state that CAMCO purchased an outstanding credit card account (the cc was in her name) from 1989 and that the current amount owed was $4,000+/-, but he would drop all interest and penalties if we would pay the original amount of $1,500. I gave him no information other than that I was her husband and that all of our debts prior to 1-92 were discharged in BK7 court in Illinois. Suspecting that this might be a scam, I immediately called my wife and told her that she MIGHT get a call at work from "Bob" from CAMCO. I told her NOT to give out any info, except that said account had been discharged more than 10 years ago. Within minutes, "Bob" called my wife at work. She gave him no info, but pumped him for specifics about said debt. Long story short, my wife became paranoid. I researched our records which indicated that "Bob" had accurate info about the CC account and balance owed at the time the debt was discharged in 1992. About 10 days ago, we get a form letter from "Bob" that concludes with:
"This Is An Attempt To Collect A Debt. Any Information Obtained Will Be Used For That Purpose." Followed by a detachable section to "return it with your payment" that gave the full amount of $4,000.00+/- that we supposedly owe. Although CAMCO has a toll free number that I can call "Bob" at, its mailing address is a PO Box in Sycamore, Illinois. In trying to research CAMCO, the search engine Google only found one link - to this site. So far, I've read about 20 letters (with all accompanying responses), but I'm a little confused. How should I best handle this situation? Although I would hate to use a lawyer, I will do so if that's your recommendation. However, I would prefer to handle it myself and I am willing to write to as many parties as needed to prevent CAMCO from filing any frivolous, but pain in the neck, derogatory reports to the CRAs. In advance, thank you very much for your time and consideration in this matter! Jim
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