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Tracy
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Subject: They try to collect on OLD medical debt that is past the SOL
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Fri Apr 10, 2009 2:15 am
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| I recorded a conversation with one of their collectors who, after I told her I better not see any of the 7 so called debts they have for me back on my credit report, put her supervisor Shelly on. She also knew I was recording the convo. She even said "we are collecting on a OLD medical debt"!!! I told her that with the date she is giving me, 2002 and 2004 that is past the SOL. She tried to tell me because I talked to them the SOL is restarted! They dont even have proof that the debt is mine, no validation at all. I know this for a fact. All she was trying to do is threaten and scare me into paying it. She even said they will report to my credit bureau. I again told her that they cant report on a debt that is past the SOL> I will have to keep checking and then have the info taken off. If they continue, I will sue THEM for violations of the FDCPA and FCRA> Shelly I hope U read this!!! I know that alot of collection agencies keep up with complaints on the internet. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Fri Apr 10, 2009 11:13 am
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If the debt is past SOL, you need not pay it, because if you make a payment towards the debt, the statute of limitation on the debt will rewind and you will be liable to pay off the entire outstanding debt. Moreover, since they have not validated the debt yet, they cannot continue the process of collecting the debt. If they still harass you, just file a complaint with the FTC.
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Where there's a will, there's a way !! |
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Capt. Bob Van Horn
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Subject: I think its a SCAM !
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Tue Mar 09, 2010 6:34 pm
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| My mother received a collection/ bill from from Escallate claiming services rendered from a hospital in Pensacola that does not exist! I have tried to call but have been rudely put off or hung up on. I assure you my mother has AAA credit and is anal about taking care of her bills. Does the BBB know about these Jerks ? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 446
8407 Magic Points
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Subject: collections
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Wed Mar 10, 2010 10:04 am
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Hi Capt. Bob,
You can definitely check the company with the Better Business Bureau. Escallate LLC is a debt recovery company. They were previously known as Consumer Debt Services.
However, send a "debt validation letter" to the company, and you will be able to find a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . With debt validation you will be able to know whether or not you owe the debt, and how much you owe.
As you are sure that this debt has not been incurred by your mother, the company perhaps won't be able to validate the debt. Thus, you can send them a "cease and desist" letter, asking them to cease all communications with you, as you don't owe the debt. You will be able to find a sample "cease and desist" letter at http://www.creditmagic.org/repair/cease-desist-letter.html .
However, remember to send all these letters through certified mail requesting a return receipt. Then you will be able to retain a proof of all your communications with the company.
Hope this helps.
Regards,
Aaron
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