Re: Camco rears its ugly head in Tampa/St Petersburg, and I wanna be prepared!

Posted by timbuktu (205.188.209.12) on November 29, 2002 at 19:51:39:

In Reply to: Camco rears its ugly head in Tampa/St Petersburg, and I wanna be prepared! posted by Rapscallion, Florida on November 29, 2002 at 17:25:29:

Sounds like Camco is SOL (statute of limitations) or (s__t out of luck).

1. Some bottom feeders buy the oldest most worhtless debt around (for fractions of pennies on the dollar) and then through intimidation, abuse etc., try to collect anything at all. It might be a guy sitting in his living room at night firing off letter after letter to earn some extra x-mas money.

2. I'm sure he, she it already knows that they don't have a hope in hell. They're hoping to find someone who doesn't know that the SOL on your collectability has expired long ago.

3. More troubling however i s the re-appearance of such an old debt on your report. My sense is you probably completely ignored the "CA" and they had the debt reposted to pressure you into a settlement. This might just be another example of an industry run amok where seemingly anybody can get an expired unpaid debt (no matter how expired) back onto your report and then YOU have to be burdened not only with having it removed but also expunged from the record. You also must suffer the consequences of its re-appearance on your reports for the duration.

4. If what you write is in earnest, then:

a. Get pissed. Really pissed.

B. Stay Pissed. Really pissed.

c. Since the debt is SOL, it's legally uncollectable. Its collectability is soley voluntary by the debtor.

d. A CA is permitted to try to collect a SOL debt.

e. A CA cannot do or even threaten to do anything because the debt has no legal standing in the eyes of the law. It no longer exists. The CA in fact has no legal punative recourse available to them to enforce collection.

f. Therefore, any threat or punative action taken by the CA to alter the un-collectability of the debt is called "coercion".

g. You also cannot knowingly report a false debt on a credit report.

h. (f) is a fraud and is criminal behavior.

i. (f) is also called extortion. It's illegal.

j. (g) is not only illegal in all states but is also a federal violation of you civil rights.

k. If the CA uses the US Post Office (mails you a letter) in the commission of a crime, it's a Federal Offense: Mail Fraud.

l. If the CA has more than one office and uses more than one person and commits the same crime over and over, it's called racketeering and prosecutable under RICO.

Summary:

You probably have enough here to read some people the riot act and get them back off. Make yourself heard in writing, sent registered mail. Keep a copy of everything you send. Demand thet everybody respongd in writing. Let them know that if they call they will be recorded and their recordings sent to the local police, State A.G., FBI and the Postal Police. Yes, the Post Office actually has their own postal police force. Bet you didn't know that.

Recorded phonecalls are only submissible in every court if the other party knows and acknowledges that they are being recorded.

I would also send the CRA a copy of the letter you send to the CA. Let everyone know exactly how far you will push this thing.

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