January 24
Merchant's Credit Guide Co.
223 W. Jackson Blvd., STE 900
Chicago, IL. 60606
Tel: 888-249-4134,312-360-3000
Fax: 312-360-3024
www.merchantscreditguide.com
To all concerned,
Today I received a collection notice from you and had to laugh. You are the most stupid bunch of morons and thieves I have ever encountered. Just how stupid do you really think I am?
Your collection notice in itself is a direct violation of the FDCPA. This is due to the fact that you are knowingly attempting to collect a time barred debt, even if I did still owe it, which I do not. The last activity on this debt was 1986. That is almost 20 years!
FYIThe SOL in NY [where the debt was originated] is 6 years. The SOL in FL, where I currently reside is 5 years. What part of SOL [Statute of Limitations] do you not understand? This violation in itself is worth $1000 court costs as a minimum, and will be persued as I really need the money. You see, I am an 86 year old woman living only on SS below the poverty level and own nothing. So there is nothing for you greedy morons to get even if you could collect.
The FTC complaint has already been filed, and the complaints to the ACA and the AG are going out tomorrow. You will pay for this legal violation, as I have nothing better to do. Your reputation is of the worst in the industry. You might want to see: usacomplaints.com. You scumbags are famous.
This is a communication from a consumer who's legal rights were violated by a bottom feeding scumbag debt collector. Any information obtained will be used to fry your * court.
F*k off and die.
Florence Smolarek.
Ps. I guess even morons like you can figure out that this is a dispute of debt. If you wish to follow through with this, please provide a copy of the contract I signed and an account history. You will need this in court if you feel you actually want to waste more of your time & money.
Steve
Bradenton, Florida
U.S.A.
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