Home
Public Forum
Credit Reports
Apply For Cards
Credit Directory
Credit Overview
Credit Problems
Credit News
International
Credit Glossary
Purchase Books
Credit Laws
Business Credit
Merchant Accts
   

letter from RMA


[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]

Posted by Pumphouse (68.115.252.187) on January 30, 2003 at 20:49:03:

I have read several threads on this board in regards to RMA, but I was hoping to give specifics on my recent letter from RMA and a phone call I made to them yesterday.

Last week, I received a letter from RMA stating that I owe approx. $1500 on a past due account, but they would settle for around $400 if I paid by 2/1/03 (less than a week from the time I recieved the letter). No where in the letter is there any info such as time of debt or any specifics of the debt. Only detail is that the previous creditor was American General Finance.

I called the phone # on the letter and I found out that RMA had bought this dept from American General and were now trying to collect on it. I also found out that the dept goes back to 1990. I also believe she said it was a personal loan and not a credit card, if that makes a difference. I told the person on the phone that I did not recall any such debt and she responded that the debt is there and under my SS#, so the debt is mine??? I asked her if the debt was mine then why haven't I ever received any mailings or phone calls in the past? She said letters had been sent to an address that I lived at years ago. I told her that I was not going to just send in money to someone just because they said I owed them money and that I sure as heck would not do it without some type of proof. I told her that I would contact my lawyer and ask him how to proceed.

Well before I shell out some clams to my lawyer, I was hoping to get some advice from this board. I am now living in SC and I'm not sure where she said this loan orginated, if that makes a difference with the SOL.

Should I begin by sending them a collection agency validation/dispute letter? I would probaly be copying the one from http://community-2.webtv.net/YChat/WhyChatsCredit/page2.html

Is there anything else I should know? Any help would greatly be appreciated. Thanks in advance!

Pumphouse


Follow Ups:



Post a Followup

Name:
E-Mail:

Subject:

Comments:

Optional Link URL:
Link Title:


[ Follow Ups ]   [ Post Followup ]   [ Credit Forum Index ]

 

    Top Of Page

  

Copyright © 1999-2002 Enkephalos Web Design