Re: A couple of things to add...

Thank you so much for answering and especially
for the references of places to assist me.

I was told today that "records indicate" that
"I was uncooperative".

The first time this person called (different person
than the second caller) I thought it was a phone scam
at first and and mouthed out with him, throwing in
some expletives, and he told me that was no way to
talk to a "professional that could hurt my credit"
I told him he indeed was a professional...professional
scam artist and slammed down the phone.

Today when they called they read back to me the prior
conversation I had with them. This time they told me
they were sending out a sheriff with a summons and my
response was "I hope he is cute, I will put up a pot
of coffee and break out the coffee cake" and they slammed
down the phone ON ME!!

Going now to check my credit report and acquire a form
C&D letter. Just need to find out where to send it as I
didn't ask. I know, I know....that was stupid. It didn't
help that they called me at 8:00 A.M. sharp and I wasn't
even done wiping the sleepers out of my eyes! Certainly
didn't have my thinking cap on!

This whole thing is so creepy!

Thanks again!!
Theresa

================================

> You can find out here:

> http://fair-debt-collection.com/statue-limitations.html

> Unless things have changed, as long as it is a third party (collection
> agency) and not the original creditor, all you have to do is tell them to
> stop and they have to honor that. You can tell them on the phone next time
> they call, and follow up with a fax.

> I once had that happen to me with a beeper company.

> My contract ended, I did not renew, I called and said to cancel my number
> (they did), and two or three years later then wanted something like $600.
> They said my contract specified that I had to cancel in writing.

> I said basically, "I didn't renew my contract, I owe you nothing, and
> don't ever call me again." Then I wrote a letter and said, "This
> is to confirm our telephone conversation at ____ a.m. on _____ date. I am
> forwarding a copy of this letter to my attorney."

> That was the end of it.

> Luv,