newbie first timer camco collection questions
[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]
Posted by ezz
(68.110.110.39) on July 29, 2004 at 11:39:09:
Ok, here’s my story, or my wife’s anyway. Last week someone from Camco called, my wife answered the phone and he asked for my wife. He introduced himself and the company he was calling from. She was told her account was on his desk and asked her to verify her SS#. She obviously didn't do that and went back and forth several times with this guy. He wasn't totally rude but became increasingly short with her. When she finally told him she wouldn’t be giving him her #, he read her SS# to her and asked if she could just confirm that it was hers at the very least. Again, she neither confirmed nor denied it. He said he would just try back another time. She told him that if she wasn't going to tell him then, she wouldn't ever tell him. He then hung up. We then found the name of the company online and found out who they were. After thinking about it some time, she then explained to me that this may be about a debt that was over ten years old and wondered if they could do this. I searched online, found this site and it looks as if the SOL has passed. She was in PA at the time this account was opened and now resides in AZ. The next day she was at work and I answered the phone and it was them again asking for her but knowing it was them and having found out who these people were, I said no one by that name lived here. They then asked for her by her first and maiden last name and I again said no. They hung up. A few days later the mail came with a letter from Camco. I'm sure you've heard this part before. This letter had her Original Creditor Name, Acct# and Current Balance.
It stated that that her account had been purchased by them.
It then restated the amount owed.
Then it stated that fed. law gives you 30 days to dispute the validity of the debt or part of it. She confirmed that the account was over 13 years old. Based on the SOL and from what I have gathered here it seems that a cease and desist letter should make them go away. What parts am I leaving out, missing or really screwed up on? -ezz
Follow Ups:
Post a Followup
|
