ericapq
Apr 6, 2007, 03:02 PM
I was contacted by law firm that is representing a collection agency back in may 2006.
They told me I owed 2600. To househlod credit card. I told him I have had a couple of accounts with them and have paid them off. I read the account numbers on the phone to him and he told me those are not the account he is talking about. I told him I have a credit report from 2003 and I do not see the account # he gave me on it. He told me I have to pay or they will take me to court. I told him how can I pay for something I have no proof I owe. He told me to fax over the letters I have of the accounts that were paid. He gave me 3 days to get back to him with any proof I paid that account but my amount owed will keep going up until I make payment agreements with them. I went off on him and demanded more info about this account. He told me it opened on 04/96 and closed on 08/2000. I don't remember oweing that credit card. I ordered a credit report after speaking to him on 07/06 and that credit card or account # he gave me was no where on it. I did not hear from them for a while until recently. I did not answer their calls. But last week I received a sommons from them. I have to go to court next week. I started looking for info online and read about statue of limitation and to send out a letter to validate that I owe this. But its to late for that letter. Why didn't the guy tell me that I could write a letter to ask for proof? He just gave me 3 days to get back to him. But how can I find out if I really owe this credit card and if I do can I use as my defense that the statue of limitation has expired. Any help or information will be helpful. I am from Illinois
Thank you
They told me I owed 2600. To househlod credit card. I told him I have had a couple of accounts with them and have paid them off. I read the account numbers on the phone to him and he told me those are not the account he is talking about. I told him I have a credit report from 2003 and I do not see the account # he gave me on it. He told me I have to pay or they will take me to court. I told him how can I pay for something I have no proof I owe. He told me to fax over the letters I have of the accounts that were paid. He gave me 3 days to get back to him with any proof I paid that account but my amount owed will keep going up until I make payment agreements with them. I went off on him and demanded more info about this account. He told me it opened on 04/96 and closed on 08/2000. I don't remember oweing that credit card. I ordered a credit report after speaking to him on 07/06 and that credit card or account # he gave me was no where on it. I did not hear from them for a while until recently. I did not answer their calls. But last week I received a sommons from them. I have to go to court next week. I started looking for info online and read about statue of limitation and to send out a letter to validate that I owe this. But its to late for that letter. Why didn't the guy tell me that I could write a letter to ask for proof? He just gave me 3 days to get back to him. But how can I find out if I really owe this credit card and if I do can I use as my defense that the statue of limitation has expired. Any help or information will be helpful. I am from Illinois
Thank you