877-394-5975

They called saying I signed up for help with debt. I did no such thing & told them that & not to call again, but they have called every day since then at different times, even at 11:30 at night. Good thing I work 2nd shift & was on my way home from work & not being woken up by the phone ringing. After a week of this I have now blocked the number.

They are threatening my life

They keep calling me and family members, leave automated message and then when you call back it say FMR. Very strong accent, threaten that I was going to jail the last time they called and I answered. I have no idea what this is about but I wish they would leave me alone.

Actually it is 7 years period. If you make no payment at all for 7 years they can no longer collect. It will also come off your credit report. Be aware tho that if you make a payment anytime during the 7 years the year count starts all over again. This info can be found in the debtors Bill and or consumers Bill of rights. So if you are harassed or told you have to pay after the 7 years tell them you are contacting your lawyer. The only debts collectable past 7 years are school loans, child support, and taxes. These same debts will not be excused during bankruptcy either. So think twice before you file for bankruptcy, it's not the easy fix for debt and will stay on your credit report for 10 years. All of this info is easy to find on the internet by googling Debtors Rights.

If you're a lawyer then I would do some simple research because you are wrong.

Even though that poster wrote that 3 years ago, it is 99% right.  Statute of Limitations has to do with how long they can sue you, not how long they have to collect on the debt, unless you are fortunate enough to live in the two states that say collection activity must also cease.  SOL can vary by state, so even if the SOL has expired, the debt can still be reported on your credit record for 7 years.  So SOL doesn't have anything to do with the reporting of the debt.

Stop calling me

Keep getting called 2,3 times a day from these people

I paid you off at $22.00 A month with a final Check paying total Balance due to you for  $707.44 with a cashier's check in November 2016. Check your records. I looked up company and called my Lawyer. She said your company was paid by them. They represented me.

This is a complaint forum about unwanted phone calls and not a method to communicate with this caller. it is highly unlikely that they even know this forum exists, much less monitor it for messages to them. Call your lawyer and have them take care of it for you.

1. Statute of limitations on credit card accts vary by state. Some unscrupulous collectors will put their own money (say, $50) on your time-barred account and claim it was from YOU. That starts the statute of limitations all over again. They go to court, get a default judgement (hoping you'll ignore the notice you get to respond to the suit) and then attach wages if they know where you're working. Asset Acceptance, which is now Midland was famous for that. Paid millions in fines for deceptive practices. If they already have a judgement they can renew it every five years so it will stay on your credit record forever. Yes, f.o.r.e.v.e.r. if they keep renewing the judgement. Most don't bother except for large amounts owed. You have a legal right to demand Proof of Debt. All collection action ceases for 30 days while they must supply you with a copy of contract with your signature visible. If they don't furnish you with proof of debt, they cannot collect.

You are correct that junk debt buyers like to jerk with SoL issues, and some have pulled pretty desperate violations of Federal law and court rules alike. Your reading of pre-suit debt validation per the FDCPA is very faulty, however.

Collectors have no obligation to validate unless they get that written demand within thirty days of the alleged debtor's receipt of the "G-letter" disclosures. The thirty day clock is therefore imposed upon the consumer, not the collector.

Debt validation is not "proof of debt". It establishes (ideally) that a debt claim is plausible, that basic details are correct, and that the correct party would be paid with the debtor's consent. The clamor for "all but the kitchen sink" is a myth I have to tear apart every other week because the Federal standard for validation is quite low. Name and address of original creditor, amount claimed due, and they're done. No contract, no signatures, no billing statements, none of that deep-dive is mandated. Some agencies will volunteer some of those paper stacks, especially if the creditor is thinking of naming you a defendant. In other cases you'll never see that material until you're already litigating.

So there's the bad news. The good news is that a few enlightened states lean on junk debt collectors to try for better substantiation .... if they choose to validate at all. For the most part, the JDB has trouble meeting even the meager standard and doing so the way the FTC likes, by returning to the original creditor. Some choose the stupid way, sending whatever papers are on hand, hoping the consumer won't catch the FDCPA violation. Others take their sweet time to validate, counted perhaps in months. Many simply drop the matter, because that simple demand taxes an automated process which relies on consumer apathy ... which leads us back to your statutory misreading.

See, the ban on collection while a validation demand is outstanding is indefinite. It's the cheapest way to slap a de facto gag order on a company anywhere in Federal law. It is only lifted once the agency responds. That may be in six weeks, or maybe the Twelfth of Never.

SAME! I rarely get calls, but within mins of a legit call these ppl call. Coincidence? I THINK NOT!!

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UNLESS you do something stupid like pay them something.  One payment, even for a penny, re-triggers the clock.

you have being call my home and work, and wouldl ike you to stop call my job

Scam

I keep getting calls from this number I could possible have very old debts. Many state this is Advanta but I have never had any accounts with such a bank to my knowledge I have picked up a few times but they end up putting me on hold for several mins I hang up. I have received no mail do not even know if they are trying to reach me .

Understand the account is not void and they can still try to collect forever. It goes on your credit report. The only thing the time frame means is that they can't sue you in court, you still owe the money.

It isn't no contact, it is no payment on the account.