I got a call a month ago from a Mr. Church with a collection agency. Telling me about a cc debt from 5 years ago with a balance of 5200. He demanded that in 24 hours or else he is going to get the FBI involved for fraud. I had some credit issues 5 year ago, the balance charged off was about 4k. This freaked me out with the FBI and stuff and i told him i only have 3k in savings from what my grandma left me. He accepted it i had to use TransUnion that day to send the money. What a pain, but guess what i got another call from a Mrs. Saxon demanding a balance of 5200, i told her a Mr. Church took care of it and gave a confermantion number, she said it is unvalid. She was very rude and told me to stop lying and to take care of your problem now or else we will take you to court. What can i do, i dont what the cops to show up arrest me for fraud and still be short 3k
2007-11-01 16:41:37 · 8 answers · asked by tim W 1 in Business & Finance ➔ Credit
For starters, I sure hope you kept any information or paper on the payment you made. I'm afraid you just got scammed.
For starters, the FBI doesn't get involved in debt cases. And the local police rarely ever do....you need to prove fraud. You need to show that you took out the loan with the intent of not paying it back...next to impossible.
In other words, the collection agent lied big time to you. Worse, I'm going to bet the SOL has expired and you don't even have a legal obligation to pay them at all!
This is a good example of what I have posted here many times. The reason collection agents act the way they do is because you don't know the law, and don't know your rights.
For now, get whatever proof you have that you paid the first collection agent. Then send that, along with a "demand to validate" letter to this new collection agent.
Read my past answers...do your research....quit worrying about having the police bother you. It won't happen!
2007-11-02 05:33:27 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Well... If your credit card debt is unpaid.. there isn't much the collection agency can do other than try to trick you into paying the debt.
Debtors prison went out in the US in the 1800s. If you don't pay your bill, you just don't pay your bill. They can't sent you to jail for that and the FBI doesn't have anything to do with it.
Collection agencies purchase the debt from the credit card company for pennies on the dollar. Usually after the statute of limitations has expired on collecting the debt. Most states the statute of limitations is two years after the last payment was made.
You got duped. You didn't have to pay that. It would have been off your credit report in 2 more years. Now you are out $3k and still have them calling you.
Next time they call get an address. Send them a cease and desist letter by certified mail (so you have proof of receipt). If you tell them to stop calling you constantly they have to do so. They do not get special privileges to harass you.
If it were me, I would be going thru TransUnion and tracking down the path of the money you sent.
2007-11-01 16:54:25 · answer #2 · answered by banshee1068 3 · 1⤊ 0⤋
You will never make it in the CIA of FBI if you are doing it for personal glory, or because it sounds cool. You'll be weeded out of the app process in a second. Working at these jobs is about committment. TV and Movies are utter liars when it comes to this stuff. Expect very long hours, low pay, much stress on your family, and tedious and long investigating. Its not a glamorous job. To be in the FBI or CIA you really have to believe in what you do, and make huge sacrifices for this country. Sorry, but it doesn't sound like you.
2016-05-26 23:57:51 · answer #3 · answered by noemi 3 · 0⤊ 0⤋
I would call acredit bureau counselor and see what your options are in this case. I hope you got a receipt for making this payment. This could be a scam as well. No the FBI is not coming out to your door. That's a scare tactic and harrassment. Call your state attorney general office and get some advice as well especially if you think these are different companies.
2007-11-01 17:07:37 · answer #4 · answered by Sunny louise 4 · 0⤊ 0⤋
The FBI won't be showing up at your door. We don't have debtor's prison in the US.
Did you get anything in writing that your $3K would settle the debt? Are you suppose to be making additional payments for the balance?
Depending on what state you live in, the statute of limitations (SOL) may have run. Check your state: http://www.fair-debt-collection.com/SOL-by-State.html
At this point, you have probably re-started the SOL and these folks are going to hound you for the balance. I hope you have a receipt for what you did send. It sounds like they aren't giving you credit for that payment.
2007-11-01 16:53:01 · answer #5 · answered by bdancer222 7 · 1⤊ 0⤋
These company's purchase debt-pennies on the dollar.
This also would be a Civil Case versus a Criminal matter.
The FBI will not knock on your door.
You should have never sent the money.
Agreements must be generated as such to have a setllement and removal from Credit Reporting Agencies.
DJ Thomas
2007-11-01 16:48:38 · answer #6 · answered by neoapartments 1 · 0⤊ 0⤋
Besides lying to you he has probably violated several sections of the Fair Debt Collection Practices Act. If it happens again get names, the agency name and the address then tell them not to call, follow up in writing and notify the Federal Trade Commission
2007-11-01 16:59:34 · answer #7 · answered by Anonymous · 1⤊ 0⤋
They can`t arrest you close your bank accts and file a BK 7 or Bk 13 this go over federal ruls.
2007-11-01 16:48:26 · answer #8 · answered by Vitorio 2 · 0⤊ 0⤋