CAMCO Collection fraud ? or real ?
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Posted by Mila
(65.102.186.252) on June 04, 2003 at 02:48:33:
I am looking for any Help, advice or words of wisdom. I was contacted by a creditor today from CAMCO. This was the first time they had contacted me. They stated that have purchased a bad debt from CitiBank for 3200.00 and that they are collecting on it. They provide me with my SSN as well all of my address information from that time frame. At that point in time i was living in California. I asked when the debt was from and they said 92-93 I had moved to Canada a year earlier. They said that there was activity on the card for about 13 months and there was even payments.
After my heart started beating again I tried to explain that I moved from the US at the end of 91 and only returned in 2001. He told me that since I never reported identity fraud at that point in time there is no way that I could claim, as well the people that steal identity do not make payments on the bill.
He asked if I was living with someone, I was a releationship that wrong. he suggested that they could have used the card and made payments until they knew I would not notice. I don't even remember this card!!
He told me that this was going to effect my credit report and that I had three options.
1) hire a lawyer to disput the charges
2) hire a lawyer and place a civil suit against my boyfriend (I have no idea where he is)
3) pay a settlement amount He told me the third option was the only way to keep it off my credit report.
He told me that he could settle it for 1500. that was after he told me that I could not apply for any hardship as my credit rating is too good ??? I think I did the stupidest thing ever. I gave him check roiuting and account numbers for 4 post dated check payments. I asked him for a copy of the information as I need to research it to see if I am able to find my ex of over 10 years ago. He stated he could email it to me or fax it but they would not mail it due to the fact that I had lived in another country and they could not find me for a span of ten years? all of this happened 1 hour before going to apply for a mortgage. I was so affraid to have a blemish on my credit rating. After talking with a friend he suggested that this is fraud. that someone is trying to collect on an debt that has been sold to a third party and that the reason why they would not mail it to me is that would be mail fraud ?? Now I am not sure if I should dispute it and cancel all of the checks of if I should pay it and try and figure it out after the fact. I am not even sure I understand my rights for the legal papers. Any advice in my plight would be more then welcomed !! Thank you so much !!
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