Ignoring The Credit Card Companies Calling

[No Gravy]

Oh my God,

Amex and Chase are the worst.

Thanks for this post. I am a little over 60 days late now.

I can attest to Chase being the worst, followed closely by HSBC. Thig is, I *have* talked to them, told them what's going on. Do they think anything will change in 10 minutes, an hour, a day?

Chase calls every 10 minutes.

[Lajazz947]

There's been a lot in the news about the "latest thing" in debt collection is Zombie collectors. Well, OK, they're trying to collect zombie debts Debts from eons ago.

I've personally seen CA's (recently) go after my ex for a $300 utility bill from 1989! Funny thing is, it wasn't on his credit report when I paid off all his debts in 2005 (long story, don't ask). They must have figured he came into some money and decided to get whatever he could.

Yep, the Zombies came out last week.

My wife had a couple of debts that were in her name and her ex husband stopped paying them.

We just got collection notices from a CA offering to settle a $19,000+ debt for about $2100.

Its not her fault so I am not mad, its just irritating now with all I have going on.

Our attorney will let us know what to do, I would hate to have her file BK too.

[Lajazz947]

Oh, and my brother just got a call from Sears for a debt he had with HIS ex wife over 20 YEARS ago that she did not pay.

It was her responsibility in the divorce settlement. Now he IS furious.

[krispy12]

My goodness, all these old collections stories. I think the smart thing to do is always try to always pay off old debt. If you know you have old debt, don't think it will just disappear. If you didn't know about it, well that is another story.

[BKORNOBK]

If you leave your name when the voice mail comes on and the message indicates it's a valid number to be reached at, can they still call around looking for you?

Any real world thoughts about that idea?

[treehugger1]

You should clearly leave your name if you don't want them hounding relatives, coworkers, neighbors, etc.

In addition, send all of your creditors a letter and explain that you can be reached via US Mail. While this does not fall under FDCPA regulations, you can still send them a certified letter and explain that you consider the constant calls "harrassment." As far as I know, you do have the right to privacy, and while an occasional call might be okay, constant calls are harrassment. Check your state laws with respect to communications and harrassment statutes. You may have other privacy protections that are outside of FDCPA rules. In addition, file a complaint with your state attorney general office and send them records of all the incoming calls as proof.

JMHO

[BKORNOBK]

That's what I'm told.

They're not permitted to call around if you make it clear that they are reaching a valid telephone number.

I'm just going to let the calls go to voice mail with my name clearly on the greeting and a verification that they have reached a valid phone number for me.

You should clearly leave your name if you don't want them hounding relatives, coworkers, neighbors, etc.JMHO

[No Gravy]

Yep, the Zombies came out last week.

My wife had a couple of debts that were in her name and her ex husband stopped paying them.

We just got collection notices from a CA offering to settle a $19,000+ debt for about $2100.

Its not her fault so I am not mad, its just irritating now with all I have going on.

Our attorney will let us know what to do, I would hate to have her file BK too.

After seeing what happened to my ex, where old debts sprang up out of no where (they hadn't previously even been listed on his credit report and were 16 years old!), it's why I'm going to include everyone I can think of in my bankruptcy.

$19k doesn't sound like such a great settlement offer on a $21k debt, either. Hopefully your attorney can fight it.

[Lajazz947]

After seeing what happened to my ex, where old debts sprang up out of no where (they hadn't previously even been listed on his credit report and were 16 years old!), it's why I'm going to include everyone I can think of in my bankruptcy.

$19k doesn't sound like such a great settlement offer on a $21k debt, either. Hopefully your attorney can fight it.

No, no, they are offering to settle the $19,000 debt for $2100.

Also, today she got a call from another agency related to ANOTHER debt from almost 10 years ago from Capital one.

What in the world is going on here?

Now I gotta send them the DV letter as well.

[No Gravy]

No, no, they are offering to settle the $19,000 debt for $2100.

Ahhhhh!

Also, today she got a call from another agency related to ANOTHER debt from almost 10 years ago from Capital one.

What in the world is going on here?

Now I gotta send them the DV letter as well.

Crap! They're like sharks, smelling blood in the water...

[Lajazz947]

Why are you sending them a DV letter on a ten your old debt? Ignore it.

A DV on a ten your old debt only does one thing....afirm your alive and well and they know where you live. If you want to put this to rest they have to sue you. If you really want to get something going, C&D them. And force them to sue then and only then can you raise the SOL defense and have the case thrown out. Other than that your wasting time. So lets say you DV them and they don't respond...law says they cannot collect on it until they verify it. So you don't hear from them. But they know your alive and well. So they sell the debt of and it starts all over. Play dead, wait to get sued and then pop the SOL defense on them. Any listing on a CR can be dealt with dealing with the CRA and making them remove it.

Thank you very much.

I am meeting with my attorney next week to go over the final touches and I will bring this up.

I am ready to go with the petition, am in high spirits and confident with my decision.

Thanks again.